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Investment ideas - how would you invest 100k?
Hi, following the sale of my property I will be in a position of having more or less 100k in my bank account. I don't have any outstanding debt and the only "big" expense I'm budgeting for is a new car when my current one breaks down (it's super old and on its last leg so I give it no more than 6 months). I won't spend…
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Monthly Child ISA savings Class (A Front loaded, B Back End loaded, C Level Loaded) Accumulation
Hello all I have tried searching for this question but I could not find an answer. I have two children with kids ISA's which I contribute monthly too and I am trying to work out what class is right for no upfront investment and just a monthly for the next 18 years. I went for a FTSE 100 tracker class C Accumulation which…
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Trustnet Portfolio Change Login Email Address
I am probably missing something really obvious but how do I change the email address used to log into the Trustnet portfolio service? I have an old NTLWORLD email address that will close shortly, so must change it. Thanks for your help!
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Euro bank account
I am looking to open a personal bank account in Euro, in UK. I am going to us this account for high amount transactions. I am about to sell some of my assets in Europe, this is the reason why I need a bank account in Euro. I was looking at Transfer Wise, Revolut, Starling Bank, but I heard a few horror stories as they can…
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1 yr fixed rate 1%
Thinking of putting some savings in Shawbrook 1yr fixed now that rate has raised to 1% Just not sure if I should wait and see if rates keep going up as they seem to have in the fixed rate market ? Have maxed premium bonds as my easy access money so looking to move money from marcus instant to fixed 1 yr Not interested in…
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Stock picking / savings mix
Hi there, Just wanted to pick some of your good brains around managing stocks and funds in a S&S ISA and other savings. I've regularly paid in money to my S&S ISA over the last 5 years or so totalling approx £75k. Currently, the pot is around £92k so I've managed some growth, currently not Tesla level but better than I…
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Child trust fund
My granddaughter has a child trust fund - RBS Stakeholder Investment fund ICVC. The investment into it has been the original £250, in 2005, plus a further £250 the following year. It currently is worth about £900. She is 16 in September. There is an inheritance due to her of £3000. I'm thinking that due to the investment…
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Savings account with Debit card ??
Does anyone know of a savings account that can be operated online that has a Debit card (rather than just a cash card) with it. I need to set up something for an elderly relative (for whom I have Power of Attorney) so that they feel they have some financial independence but losses are limited in case of the card being…
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Child savings account with 2 trustees
Hello everyone , I could do with a bit of advice please . As a result of a recent court case I need to open a children's savings account that can have 2 named trustees . I've checked with lots of mainstream banks and building societies and they have all said that they no longer offer these sorts of products. Any ideas?
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Investing vs Early Mortgage Repayment
As some of you are aware, I hope to retire earlier. Currently 49, planning to retire between 58-60 assuming I can make the figures work. I have £40k invested this year into a S&S ISA and plan to invest a further £10k into this come 2022, so £50k in total. I also have a workplace pension that I'll have paid into for 27…
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Best way to start off with £190k
In our mid 40's and due to relocation we find ourselves with no debt other than mortgage, a 48% LTV with current balance of £160k fixed for 5 years at 1.3%, and £190k cash sitting in a bank account getting 0.01% interest. We have never been in this position before so have never had an ISA or anything like that. I also have…
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Scam
My wife and I have been contacted by "Louis Capital Markets" who offer a Lloyds fixed rate bond at a fantastic 7.625%. They send by e mail cloned documents obviously from Lloyds but with their own additions.. There is a genuine L C M company with a FCA reference number 225544 so if checking you find them but e mail address…
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Book Cost for funds with occasional sells
The funds in my S&S ISA have been transferred multiple times over the years (Fidelity > Charles Stanley Direct > Vanguard Investor > Lloyds) but held the same underlying funds. I have records for all the transactions and wanted to calculate the book cost. The idea been I can provide my current platform (Lloyds) the amount…
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BlackRock MyMap 6 - overlapping funds
I'm considering investing in the MyMap 6 multi-asset fund from BlackRock. Overall this looks a good fit in my portfolio. One thing I noticed though is how a few of the funds it invests in seem to overlap somewhat. This is their list of top holdings from the latest (May 2021) factsheet: TOP HOLDINGS (%)ISHARES MSCI USA ESG…
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Deceased shareholder liabilities
If shareholder dies and their share is not transferred to the inheritor before a cash call by the company, to cover some legal costs, who is liable to pay that proportion of the costs? No claim was made on the estate of the deceased but the company hounded the inheritor for the money (threatening legal action) just a few…
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Interest Rate Calculation
For Lloyds bank, young saver, it stated: 1.44% gross interest on your balance between £1 - £4,999 0.01% gross interest on your remaining balance above £5,000 So if my balance is £5,000, it will be 0.01%? Should I put £4,999 as the balance?
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Where to keep inheritance?
I've been given 80k in inheritance from one of my grandparents and I'm not sure where to keep it. Prior to knowing about this, we were planning to move house in a few years time but now we're potentially looking to move somewhere sooner. So the money needs to be relatively easily accessible. Nor do we want to do anything…
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Vanguard LifeStrategy® 60% Equity Fund - Accumulation
Hi,I'm a complete newb to intesting etc. I've seen Vanguard mentioned quite a few times on the forum as a means of investment. Someone with a decent track record who will do everything for you. I've approx 10k I was thinking of investing in the LifeStrategy 60% fund for approx 10+ years. I would also hope to add £100 per…
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PBs for children and Access
Edit. I should have used the search function.
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Investing in electric vehicle batteries
I was wondering what the forum thought about investing in electric vehicle batteries ?Bearing in mind that the government is pushing us all to go electric and wants major manufacturers to start production of batteries in this country - it would appear to be a shewd investment ?
