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2 cash isa paid in for the last year
Last year I opened a new cash isa account with a different bank that was offering higher interest rates. I ended putting money into both the new and old cash isa accounts over the last year going over 20k in combination of both since last year and still put money into the accounts this financial year. I completely…
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Sharesave Scheme and CGT another one
Hi Guys I've read through some of the similar threads and i was hoping someone could advise on my situation. i'm paying £150 a month on a 3 year scheme so £5400 cost. The scheme ends in december and I think i'll get a return of £28000 in total. I've put the numbers in the gov CGT website and as im a higher rate taxpayer if…
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Probably dumb Trustnet chart question
Do trustnet charts of common funds (e.g. lifestrategy 80) take into account the annual fees you have to pay?
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NS&I Index Linked Certificates - Stick or Twist?
I have around £20K of NS&I Index Linked Savings Certificates which I let roll over a month ago as they matured. It was more an act of indecision than decision and I'm now wondering whether letting them roll over is such a good idea. They've rolled over based on CPI of course. I have around £275K split roughly 50/50 between…
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Green Savings Bond
Hi All It seems a very long time ago now since Rishi Sunak announced the Governments Green Savings Bond which is to be run by NS&I. Since then it seems to have died a death. Does anyone have any updates?
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Expensive company Investment?
Hi
everyone. I am hoping that someone can help me understand when it comes to
investing in companies that are considered expensive. For
example. A blue-chip company or any company’s share price may have dipped and
it presents a buying opportunity in anticipation of it rising. However, a
financial journalist says that the…
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Salary Sacrifice with Nest Pension
Last month me/my employer agreed to have a portion of my salary sacrificed and added straight to my pension. I noticed that I didn't have any savings to my National Insurance when I looked at my payslip. After doing some digging, the person in charge of sorting this told me that this was due to Nest being Relief At Source…
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Closing a LISA opened by mistake, then opening another later within the same tax year
This is asking on a relative's behalf, because they asked me for advice and I don't know. They live overseas but are planning to move back to the UK in December. They are 39 now with birthday in February, so this is the last tax year in which they qualify to open a Lifetime ISA. The problem is, they already opened it last…
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Investec: Two separate, incompatible UK savings platforms
I have been a happy Investec customer for many years and currently hold a number of different savings and currency accounts with them which I can access online or by their app. I have noticed that they are offering two new savings accounts (Online Flexi Saver and a Fixed Rate Saver) which have much better rates than the…
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Odd IFA Fund choice
An IFA rebalancing a portfolio has done the following. Sold Invesco AsianSold Stewart Investors Asia Pacific Leaders Bought Schroder Asian Income Maximiser Q1 Why do you think has he reduced the amount of money in the specialist asia funds by 80%Q2 Why has he chosen a fund which seems to have performed modestly in the past…
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investing
I realise that current times as a saver, there is probably no sure way of safely making good returns on any investments, without being very clever, or taking huge risks. But for a simpleton such as me, I wish to know if there is a simple way of saving, and the best saving scheme which is easy and risk free. I have found…
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Ex-Dividend Date
I was expecting an income payment for a fund that I purchased, but it didn't arrive. I have contacted the provider, and await a reply. In the mean time, could I understand more about Ex-dividend payments and dates. I have a contract notice that states the purchase of the fund on the 1st July and a settlement date of the…
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Stupid ISA question
I know I should know but I don't know. Currently an annual £20k personal pay-in limit, right? If I already have a load of ISA and I make some money on that S&S ISA in that year and it's automatically reinvested as we go, does that reduce the £20k I can pay in?
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Evalue
Anyone know anything about EvalueOne of the IFAs I saw a few weeks back said they work closely with this company
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Are we on the right track?
Me and partner would like to retire at 55 if possible. We are both in full time employment. We would like to achieve a 40k income in retirment. How much do we need to invest for this to be possible? Thanks,
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Understanding your attitude to risk and learning from mistakes
Interested to hear from those with longer term investing experience about how your tolerance to risk has changed in response to major market corrections/crashes. Clearly there are many elements that contribute to the level of risk that you're comfortable with, including age, income level, investment goals etc, but emotion…
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Selling Unilever Shares - Advice Needed
My mum has approx £60k of unilever shares which she wants to sell over the next 3-4 years (15 to 20K per year). She has sold them in the past with Computershare share centre, however she has just had notification that they are changing to Interactive Investor Ltd. They charge £9.99 per month after the first 6 months, but…
