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150k investment, best place?
Where is the best place to invest £150k personal savings to get the best return? What is the sort of return I could get after a 4 years of investment?
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New App Only Banks
Hello, New to the forum (not the site). Just wanted peoples opinions on how safe would you feel keeping your savings in these new app only banks (Atom, Tandem etc.) My wife and I will be in a fortunate position next year where we will have a significant amount of money and initially would want to put this in a fixed rate…
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Transferring pension from LGPS to NHS
I’ve recently moved jobs from local gov to NHS. I have nearly 39 years in the LGPS and now need to decide whether I leave pension where it is or transfer to NHS scheme. I’m 56 and planning to retire when I’m 60. Any thoughts as to what would be the most sensible option.
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13F Equivalent data in UK or Europe?
In uk or europe, can we track list of holdings by big investment companies? In US, there is 13F and lot of website publishes the investment companies holding stock info's. If it available in uk or europe, can you please advise how to obtain the data?
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Can someone please explain what this banking term means?
Hi, can someone please explain to me what is meant by 'no active placement'? I received this information from the bank and I am trying to establish if my account was ever suspended at any point in time. I can't make sense of the answer. Thanks. The fixed deposit account ending 0000 was closed on 16 February 2022 as there…
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Raisin and password reset
I know mse did state there are issues contacting raisin but i've been trying to get my account password reset for 3 weeks now. Perhaps it's time not to recommend using them until they sort out wither customer service or the other option is to have a way to reset the password like any other normal website. Does anyone have…
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Investing money - £300k - non tax payer
Hi, I have a lot of money sitting in various accounts, mostly fixed periods of 1-2 years. I find it exhausting trying to sort them all out. Some is joint money from a house we sold as we needed the money to live on, some is an inheritance of mine.. so I need to keep the pots separate. We use a certain of money from the…
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S&S ISA Vs Pension
Hi all, I'm looking for some thoughts and clarity on my thinking for financial planning over the next 10-20 years. Essentially trying to balance what contribution levels to put into my employer pension and S&S ISA. I'm about to change jobs, salary is staying the same but employer pension contribution is slightly better. Up…
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Moneybox 95 day notice account - FSCS says money not protected SCARED!
Hi I have a lot of money invested in Moneybox 95 day notice account. I am in the process of reviewing all my investments as some have finished their fixed terms. I saw "powered by Shawbrook" on their app. I also have money with Shawbrook. I am not sure if they are linked. If so I am over-exposed as total amount is over…
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NS&I Premium Bond (Extra payout?)
Hi. I religiously track my premium bond winnings following the draw results (on 2nd of each month), ensuring they hit my bank (usually on the 7th of each month). This month I won a few on 2nd, and saw each paid out as usual on 7th. However, today (17th), I see an additional payment from NS&I (£25, so just like another…
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Don't Forget Halifax Share Dealing Starts Charging for "Holding" Shares Soon
Remember Halifax Share Dealing Account starts charging to have an account in April......so if you just hold shares in there and do nothing....you'll be £36 a year lighter......
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Blackrock Trust PLC vs class i.e fund vs share?
Can you anybody explain what's difference on below same stock i.e share vs fund? In terms of charges which one is cheaper , pros & cons? Also advise difference inclusive class vs class? share BlackRock World Mining Trust plc Ordinary 5p - BRWM fund BLACKROCK WORLD MINING CLASS D4 - INCOME (GBP) - B8QWF11 BlackRock World…
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Child Savings Account for non-resident
Does anyone have any advice for opening a child's savings account for a UK citizen who is not a resident in the UK. The child was born in Spain and we continue to live there. We would like to have two savings accounts for the child, one in the UK in pounds, and one in Spain in euros. However most of the UK accounts require…
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Tandem - are they safe?
Hi all, I was looking for another bank to invest around £17k for 1 one year fixed account. I looked at the recommendations and was trying to open one with Tandem. It wanted me to put in memorable information that I use to log into my Lloyds Bank Account. This didn't seem very safe to me. I ended up calling them and giving…
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Children received a lump sum - savings advice
Hi, both my children aged 15 and 17 years old have received an £80k lump sum each as part of an inheritance. My idea is to put it away for them until they are 21 years old plus (I am aware that at 18 years old they can have access to this money but wanted to try and get it invested for them for the future). I have look at…
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Raisin £50 Cashback: Can two people in the same household each claim the bonus?
If my wife and I each registered on Raisin and each opened an account with £10k (funded from our joint account), we'd both qualify for the £50 bonus? I'm unable to find anything in their T&Cs that suggest otherwise, but thought it worth checking.
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Personal Savigs Allowance
I phoned HMRC today to get my tax code changed as they were deducting an amount for untaxed interest from my tax code estimated on figures from 3 years ago. The new figure will be approx £300 for the next tax year. When I queried the fact that a basic rate tax payer can earn £1000 interest a year tax free so why were they…
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Switching between Vanguard's Lifestrategy funds
Hi, I started investing in Vanguard's Lifestrategy Equity funds last year. I'd like to transfer some of my investment from the 20% into the 60% fund and wondered whether it would be better to do this when the market is down (so lower buying and selling costs) or if it doesn't really matter because it'll be relative whether…
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Alternative Green Bonds
Hi I have been receiving emails over the last few months regarding green fixed rate bonds to `raise capital for a sustainable future`. Each email indicates that MSE has teamed up with one of the large energy companies to offer these deals. I have looked on the MSE site and cannot find any reference to these. Has anyone…
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SIPP and higher rate tax relief process
Hi, I've decided that after having an ISA that is full already for this year and already a workplace pension then it might be a good idea to start a SIPP as well. I just wanted to understand the process slightly better than I do. Once I've picked a platform if I contribute £8k then after a short time the SIPP provider will…
