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Trust Fund Accounts
Last year i was diagnosed with Terminal Cancer and with 2 Life Assurance Policies i was advised tout them both into Trusts (with myself, my wife and my sister in law as the trustees) I did this and am now in the process of making claims on both accounts. Both insurance companies have asked when they make the payments where…
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App options for savings accounts lacking own app or part of Open Banking
Charter Savings, Kent Reliance, Shawbrook, and many others don't have apps of their own. These banks are also not part of Open Banking. If I want to see my balance is my only option to use a third party app that logs in using my actual password? Unlike Open Banking these were regarded as "at your own risk" several years…
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Moving abroad for good, suggestions about what to do with UK financial products
Hi, I have been living in here UK for 10+ ys and we recently started to pondering my return to our home country (Italy).Although I managed to foreseen, image and plan how the relocation would happen (the physical one), I still don't have well clear what would happen or what would I have to do with the financial products I…
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Is there an efficient frontier for including smaller companies alongside an index fund?
The efficient frontier is
usually discussed in equity/bond allocations, and says that although equities
are higher risk than bonds, an 80/20 portfolio not only has better returns over
time than 100% bonds, but carries lower risk. The shape of the frontier (the
point of least risk) has varied in each decade over the last…
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Transfer to iWeb - 13 months and complete at last!
I instigated a transfer of a S&S ISA from Vanguard to iWeb, way back in January. Completed the necessary form, sent it back and got acknowledgement of the transfer from iWeb in January. After several months, I chased iWeb through their chat facility and by phone. They blamed Vanguard for not sending over the valuation.…
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A little confused about fund's equity allocation %
Good Morning. I'm a little confused and I hope someone can point out the obvious that I'm probably missing!!! In our ISA's we hold units of the 7IM AAP Balanced C Acc, via Fidelity. Historically this fund has had approximately 56% of its holding in Equities. It's a Mixed asset 20-60% equity class. As at 31/8/21, it would…
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UK broker, foreign address
How do you handle this situation. You are a student who is self-employed and will travel and study in Europe and live in Europe for 2 years. You have a lot of money invested in a UK based broker. You continue to log into your broker account and invest living outside of the UK - is this legal? - Will the UK broker accept…
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Contribute more than 12k to Help to Buy ISA with Barclays
Hi, I have recently reached a total contribution of more then 12k to my Help to Buy ISA with Barclays. The Government will pay 25% up to 3k so 12k is the max contribution to get the bonus. But since Barclays pays 1.25% on this ISA does it make sense for me to keep contributing £200/month to this? Will Barclays pay that…
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Tandem savings app
My son has just installed this App and there is no account number or sort code for his instant access savings account. This feels a bit weird and a bit concerned it is not right. Anyone else found this please? Also reviews of Tandem that have popped up on the web are not flattering.
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Joint savings account for 3 people
Does anyone know if a savings account for 3 people is possible and if so where. All I can find is ones for 2 people. Thanks
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Livid with NS&I
Registered last week for online access with NS&I, set up password ,two phone numbers , bank and anything else they asked for at the time as I knew I would need to cash in premium bonds for money at short notice . That need came today , so I duly logged in , no problem at all , and filled out the withdrawal form . Same as…
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DF Capital Fix Rate Bonds
I have a 12 month fix rate bond about to mature shortly and I am considering reinvesting the funds in another 1 year fix. DF Capital is currently the best (non app) 12 month rate on MSE top savings accounts (1.45%), although strangely it's not listed on Moneyfacts best rates. DF Capital is a new name to me so I was…
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Where to put the rest of this years ISA allowance?
Hi I have been drip-feeding money into a stocks and shares isa for a year and a half now. I have been a bit hesitant and was thrown off target a bit by the pandemic and other family issues. I had meant to have 20k invested last year and 20k invested by the end of this tax year. As it stands, I currently have 20k invested…
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Nationwide Flex Account or Flex Direct? (for the switch bonus)
hi .... i think i am going to do this and go for switch. i have been an HSBC customer almost forever and was always keeping the account due to it being from childhood, however i've realised this should not be a reason to stay with them, as they not exactly doing me any favours. anyway, i have seen that to do the switch…
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Accumulation and maintenance trust
My mother is the thinking of setting up for her grandchildren, does anyone have any experience of these?
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Chargeable Event Gain on Death.
My father owned a Prudential with Profit Bond. He died in March and a chargeable event gain was incurred with 23 years of top slicing relief. The bond has now been cashed to the executor account. I am confused if any tax is payable on this and who would be liable. Rules seem to have changed in 2020 on top slicing. He did…
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Virgin money
Have got the virgin money current account with the linked savings account whereby you can create savings pots. Problem is, money keeps either moving in or our of the pots into not allocated. Anyone else have this problem, its frustrating & somewhat renders the account useless when I put money into a pot, then for some…
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MoneyBox help
Hi, So I previously had a MoneyBox investment stocks account and lost money due to COVID. I was wondering- may be a silly question!- but if I open a savings account with them, is there the risk to lose money like with their investment account? Thank you!
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Advice on Moving H2B ISA to LISA
Hello, I have made a post about this a while ago but due to some issues arising and not being on top of it, I never actioned the advice that was given and looking to see if the advice would be similar or if any other suggestions. I am looking for some advice on what the best situation would be to start saving up for a…
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Fund selection sanity check please
Apologies for yet another post - just trying to ensure I don't do anything too daft before pulling the trigger. Summary: I have just retired, now getting state pension + annuities of approx 5k. I have 2 x 20k ISAs, one with VLS 60 and the other with BMO Universal MAP C. I also have DC pensions worth about 170k which I have…
