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Better to use more than one investment platform?
Are there benefits to spreading ISA and/or stocks and shares investments over more than one platform? I have read in various terms and conditions that platforms won't accept responsibility if nominee holder of securities defaults. I am just wondering if this is a significant risk, and therefore using more than one platform…
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Income tax on NS&I Guaranteed Growth Bonds
I received an email from NS&I this morning advising: "For our 2, 3 and 5-year Guaranteed Growth Bonds that are purchased or renewed on or after 1 May 2019, all interest will be treated as being received in the year in which the Bond matures. This is different to how interest was treated for previous issues, where interest…
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Small sum investing
Hello I often see statements where you can invest from £25 a month in stocks and shares. I'm at a stage where I'm over paying the mortgage, paying into a decent local authority pension, and a years salary in cash. Does anyone have any investment recommendations for £100-£200 a month. I'm 37 not a high rate tax payer, new…
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Flexible S&S ISA providers
Hello, I'm trying to identify which Stocks and Shares ISA's are flexible i.e. allow money to be withdrawn and paid back in the same tax year without counting towards the annual subscription allowance. I've currently seen that this is offered by Vanguard, IG and EQi. Are there any other S&S ISA's that are flexible in this…
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Fund lost in transit?
I applied to transfer my isa fund from HL to IWeb some months ago and then last Wednesday it disappeared from my HL account, but as of yet it hasn't showed up in my IWeb account. Is this normal?
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Best way to save for home improvements
Hello, we would like to do some home improvements in a couple of years when our mortgage is due for renewal. We are likely to spend approximately 40K and ideally we would like to save at least half of this amount or more and take the rest from the mortgage. While we already have some saving, we like to keep some for a…
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Nottingham Special Saver Issue 8
The account matured on the 28th of February and I have been trying to withdraw the funds for some months now. It is branch based, but we were still in lockdown then so I phoned and was told that if I post the passbook with a simple letter asking to send me a cheque, they will be willing to send one. I did as the adviser…
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Unrealised Gains/Loss vs Total Return
Hey everyone, I use the FT to track my portfolio, and have been doing so for a couple of months. I have three different portfolios in there. In two cases the percentages for these two different figures are nearly identical, in one case they're quite different. I've been buying only, not selling.. Unrealised Total Pot 1X…
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Lazard Global Listed Infrastructure: A v. C?
I have been looking at this fund, to compare it with others in the sector and to see what it holds.It has a range of sub-funds denominated in different currencies, some hedged some not.I notice that it has two GBP distribution unit classes denoted A dist and C dist, which to all intents and purposes appear the same…
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Are these funds worth keeping?
We are now getting to the point in my in-law’s estates’ winding up process where we have to decide what to do with the existing investments. I wondered if anyone here could tell me whether these investments were worth keeping, or if we should be looking elsewhere for something better/different? I note in the attached…
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Global Muliti Assett Fund/Global Index tracker, difference?
As in the title, I don't quite understand the difference between a global multi asset fund & a global index tracker. Both seem to be recommended for low cost & minimal investor input. I do have money in a couple of global muti asset funds, but unsure as to what type of fund would be best for my newbie investor sister.
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Mini-tender. Looks good.
I'm one of many now tendered to sell shares in Microsoft @ $280. Price is currently $260. But the buyer will only make good on his promise once the price is comfortably above $280. In the indefinite interim the ownership is in limbo. I'm grateful to underground for explaining this but cannot understand why reputable…
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Chip - Joint account?
Is it possible to have a joint account on Chip? Thanks, (their chat bot is on furlough).
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Help To Buy & Vanguard Stocks & Shares Isa
Hi, I already have a Help To Buy ISA and now I'm looking at staring to invest with Vanguard. I'm looking at opening a Stocks & Shares ISA with them to reap more of the rewards essentially. Is this legal? Am I able to invest in both ISAs in the same tax year? How does this work? Thanks in advance! Jake
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US Equity index fund vs Global All Cap index fund with Vanguard
So i am investing a (relative) rate of knots in the US Equity Index Fund with vanguard, at the time I did this purely on the low costs. I am thinking of switching to a more global fund - the All Cap fund. However, my reasoning for not doing so is that 60% of the global all cap fund is the US anyway, and while an American…
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What is a good gross yield?
Hi all I have a little bit of money that has built up via investing £150 monthly on CSD in a Stocks and Shares ISA buying just VLS80. I had an annual report which says the gross yield is 1.6% When I look at the numbers it says the tax cost is £8k and the increase is £2k and it shows the obvious increase at 25% I can't…
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NS&! Index Linked Savings Cert maturing
on 25/5. Was RPI +0.1% (5 yr term), now CPI + 0.1% (2/3/5 yrs). Dont need the money, but can I get a better return??
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I need a broker to sell holdings on the Jo'burg markets?
My mother inherited shares in AngloGold Ashanti, Sibanye Gold and Gold Fields. All three are held on the Johannesburg stock market. It appears that Sibanye was moved onto the Computershare register, unfortunately though I cannot seem to sell this holding via Computershare (what's the point in Computershare if they can't…
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Best share dealing platform
I currently use Fidelity and Vanguard for my share ISAs investing in funds. I am about to buy some shares on Fidelity and I noticed that Fidelity ongoing annual charge is 0.99%. Could I get better deal with another provider/platform ? Many thanks in advance
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Lost Shares
Hi, Can anyone advise me on how I can trace shares I have in Booker Wholesale. I don’t have share certificate but do have a personal letter from the CO Charles Wilson dated 2007 stating the number of shares I had in the group at that time of the letter. I then left Booker Wholesale after 30 years of employment to pursue…
