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1st July premium bond draw
Hi, I'm really interested in the premium bond draw date. I'm keen to withdraw my money, but it's always nice to get one last draw in. So my question is, when nsandi say the 1st of July for the next draw, does this mean I need to wait for the entire day to pass, or does it mean they're drawn at midnight in between the 30…
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Are Midcounties Co-op development Bonds a good investment ?
I am thinking of buying some of these bonds as the rates are much higher than savings accounts. I realise my capital is at risk but is this a fairly safe investment for some of my savings ?
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Savings Advise.
Hi all So i've been extremely bad for pretty much all my life at saving, and I don't mean in a never having any spare money way, I mean literally never using a savings account and just keeping everything in a no interest current account for years, which of course has meant losing out on so much interest over the years I…
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Consolidated Tax Vouchers
Is there a date by which an investment company has to issue a Consolidated Tax Voucher? Under Self Assessment I will have to pay a significant payment on account on July 31 unless I can input my 20/21 return, in which case I believe it will be much reduced. Thanks.
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Your Premium Bonds sales pitch: why are they a good idea?
I know someone who has £50K in premium bonds. She gets about £25 a month, I think. No chance of capital loss, but no chance of capital gain either... Can anyone give me a reason why they might be a good idea?
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NS&I - Direct Saver. Can't withdraw cash?
To meet Halifax criteria, a few members of my family had NS&I accounts opened, specifically the Direct Saver account.That's me, my wife, my mother, brother & sister. Every single one had minimum of £500 put in to them. Every single one could draw that £500 or £1000 back out with the exception of my sister. She had £1000…
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Discussion boards for individual shares
Are there any decent free ones? Motley Fool's seem to have closed, advfn is chargeable... any others out there?
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Premium Bonds: two holders numbers
I opened an NS&I account last year and then sold my income bonds to take out some Premium Bonds. My mother then reminded me that I had Premium Bonds from when I was a child and a young adult. Turns out that the holders number for the ones from when I was a child/young adult is different to the ones I purchased last year…
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Child Trust Fund
My son will receive a good sum of money when he turns 18 next year (around 25,000). He will use this to buy his first house when the time is right. Can he transfer all of this from his CTF to a LISA? Is this the best way forward or will he get a better return if he invests elsewhere as he won't be able to afford a mortgage…
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Stockmarket Portfolio rebalancing?
I currently have a few thousand pounds in the stockmarket, 34 years old. Looking to rebalance my portfolio for growth slant (more than income). I'm considering at least 85% equities vs rest in cash / gilts / corporate bonds. I've provided a breakdown in % of my holdings across all stockmarket accounts (S&S ISA, L/T ISA,…
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FundsNetwork and Available Investment Trusts
Is there any logic to the investment trusts available through Fidelity FundsNetwork? I wanted to invest in Caledonia [CLDN], but it's not available. I'd like to think that's not because Caledonia refuses to pay Fidelity a kick-back, but I really can't think of any other reason.
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Vanguard Financial Advice Service.
Hello all, As per topic, has anyone used the service ( its relatively new) or has any feedback on what they offer. Appreciate they will only advise in the Vanguard Arena but interested in how people have got on so far. https://www.vanguardinvestor.co.uk/financial-advice Thanks, Fly
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Automatic round up with Starling with a credit card?
Hi there, I have a Starling Card and used to have it set up to round up any spending to the nearest £1 and then put it in a pot. However, I have not used the card in nearly two years and it has changed. Does anyone know if this feature still exists? Also, is there a way to connect it to my credit card (Virgin Money) so I…
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Stocks & Shares ISA Question
Hi All, I have a S&S ISA with charles stanley direct that i have invested in for many years now. I have some spare cash and wanted to dip my toe into a few US/Chinese single stocks so have opened an account with freetrade. Now i thought i could also open a S&S ISA with them and contribute so long as the total does not…
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Some very basic vanguard bond advice please
Hey guys, I am a beginner to investing and a few days ago I opened a Vanguard account and opened it with £500 into the Life Strategy 80 (early 30s). I'm just being boring and putting £250 a month in to the life strategy 80. I've got about £7000 sitting around, already overpaying a fair bit on the mortgage so I feel like…
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HL Active Savings Platform - Cashback offer
HL are offering cashback for those opening a new account at the moment. Details here for those interested: https://www.hl.co.uk/investment-services/active-savings
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portfolio equity allocation
hi - i just did a portfolio analysis of my Stocks & Shares ISA on the HL Wesbite. it was quite interesting to look at the breakdowns. however, what i noticed is my portfolio has roughly 79% equity. my pensions are split different platforms, but i am guessing it is roughly a 67% equity split at the moment. considering i am…
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eSports
Dear all, Just wondered what members' thoughts were on eSports as an investment. Am looking for a satellite fund and have been considering VanEck Vectors™ Video Gmng &eSptsETFAUSD. Any opinions appreciated. Thanks
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Advice on current saving + investments
Hi Always impressed with knowledge + insight on here, just wanted to get any thoughts/observations on current saving/investments. I'm 50 working in ft employment, earning £40,000 £70,000 in cash isas £40,000 in S&S isa (Vanguard Lifestrategy 60%) BTL property (£500 per month) Local govt pension Would appreciate any advice…
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The Big Exchange
Has anyone experience of using online investment the Big Exchange for ethical investments. Any tips, watch outs or feedback about their service?
