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Chip Autosave
If anyone is fed up with cancelling autosaves there is great avoidance option. You can set minimum balance for the linked account so put in a high balance and hey presto no more autosaves unless you win the lottery!
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ChipX
I have no idea about investments, not that I'm rolling in money, but I wondered what people's thoughts are on the new ChipX? Thanks Chris
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Saving from overseas
I am living out of the UK and have no plans to return in the near future. I have some money sitting in a Santander current account doing nothing, so what is the best place to put it? I'm sure I can safely put it away for a few years (maybe five). The main thing that the account is being used for is my student loan…
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This is Money Portfolio.
Hi, for those who have missed the Portfolio tool, it is now active at last, with funds added. You should be able to log in with your old details, PS Power Portfolio update Your funds should now have been re-imported to your portfolio. Those we have tested are looking good. Some funds are no longer recognised and will…
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Atom Instant Access Account rate reduction
Just looked at opening an Atom instant access account today - I already have a fixed rate savings account with them, the interest rate (for new accounts?) has gone down from 0.5% to 0.35% from today (24.06.21) :(
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Sense check, potential changes to pension tax rules, maximising ISA's
I've just been reading the news this morning on potential life time savings allowances or pension contribution taxation changes coming in autumn budget and I am just wanting to sense check my current strategy. Just turned 34, earning just over £60k following a recent bump (which includes cash allowance for vehicle).…
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Premium bonds
Hi everyone with saving rates so low I'm going to put money in premium bonds i will have nearly the max of 50.000 witch gives me a better chance of return prizes my question is! Backed by the treasury how safe is this? As does any one trust our government these days ! Any premium bond experts out there ?
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Historic asset spread within 20-60% investment funds - available anywhere?
Quick question... If you have an investment fund that is in the 20-60% equities sector, is there any factsheet, or graph that will give you the historic asset split of where the fund has been over the years. e.g. 7IM AAP Balanced C Acc. Is currently standing at the top end of it's equity portion at 55.77% Am I able to find…
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Students receiving a bad deal
Hi Martin - Your TV programme has regularly highlighted the plight of students who continue to receive a poor service from Universities up and down the country but are still expected to pay the £9k a year fees. We have been advised by Nottingham Trent University that students will still be receiving primarily online…
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Mortgage Free But No Pension
Hi all, Thanks in advance for some advice on my situation. Some background: I am 38 and earn around £28k per year working for a charity. My job is fairly secure and I hope to increase my earnings over the next two decades. My husband is 48 and self employed. His work has been significantly impacted by the pandemic and he…
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UBL Bank
I came to the end of a 5 year investment with UBL and then requested it was transferred on maturity. UBL have ignored my instructions and reinvested for another 5 years. I have written and emailed numerous times but have made no progress. When I call , they are polite and promise to escalate to resolve but nothing ever…
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Halifax Valuation survey
I need to calculate the value (of £29k invested on 19th Dec 2005) in my house in HR3 5NZ to pay out the beneficiary of a Trust. The terms are 'annual calculation on the anniversary'. I googled the Index, asked Halifax Bank- but cannot find anything. Can anyone advise? The answer would need to be official, not fag packet!!!…
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Multi Asset Fund or Self Managed Portfolio?
I'd be interested in people's opinions on this article. I suppose it will depend on how confident an individual is in building their own portfolio as opposed to letting a multi-asset fund do the work and rebalancing when required. Interesting to see that a well chosen (easy to know in hindsight!) portfolio will outperform…
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Large cash sum
I need some advice please. Several years ago being fed up with low interest in the bank I closed my account and withdrew all the money. Most of it was given to me in £20’s and £50’s. I spent a fair bit but the rest went into a friends safe. Now the new plastic notes have arrived and I have very many old paper ones but I…
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Split of investments/capital
Simple question, how or what is your split of wealth/capital/investments, and do you change this regularly or change depending on age/salary? I ask as someone in early 30s, higher rate tax payer, company pension (30%) including my contribution, and own a mortgaged property (flat). Currently I hold: Premium bonds - storing…
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Short term investment
I’m looking for some thoughts on what might be a good investment fund for a relatively short term period (5-7 years) within my SIPP. I have a DB pension but looking to boost my SIPP so I can defer taking DB pension as long as possible.
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Inheritance of £40k
Hi, I have just received an inheritance of £40k. A friend has suggested I buy premium bonds with it. I thought they were joking but apparently not. Would this be a good idea? We don't have debts or a mortgage. Married with 3 kids. Thanks.
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Savings - How do I access?
Hi everyone, I don't know if someone can help me but it's worth a try. My boyfriend rang Nationwide about 3 years ago (he would of been 19) about something. They mentioned to him that someone has quite a substantial amount of money saved for him in an account. Nationwide were unable to tell him how much money this was and…
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Advice about selling paper shares
I have an amount of share certificates which I used to sell via computer share however since they changed hands and after reading the reviews, I am not happy to sign up with the new company. I don't want to sell them all at once, but need someone that I can go to . Any advice and recommendations please
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How do you manage your stock alerts?
I'm interested to know what apps you might use to monitor stock performance, and what are the most meaningful triggers you have for notifications. I have savings in a few different S&S ISA funds, and recently decided to follow the individual stocks that constituted the largest parts of those funds. The app I use is called…
