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What do you think of my asset allocation ...?
May I invite comments on my allocation and ETFs, held across a variety of SIPPS, ISAs and dealing accounts? I am 61, not really working, own my own home outright, soon to run out of savings and begin drawdown. Global Equity Tracker (mainly VWRP): 40% Fundsmith: 20% Gilts (mainly VGOV): 20% Index-linked UK-hedged Gilts: 10%…
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Stocks and Shares ISA…Where to invest?
Any advice welcome on which region/sector is likely to see growth in the coming year or two?….wanting to make use of this years ISA allowance and maybe some switching!
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Air France - KLM Eur1 (REGD) shares held with HL
Hello some of the shares I hold with HL on their online platforms are not showing a share price / value today. Looking at financial news online there does not seem to be issues with this particular shares from the holding company. Does anyone have experience of what this problem may be? An IT glitch maybe on HL? Many thanks
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Problem depositing funds with Union Bank of India (UK)Ltd
Following recommendations from Martin on the show we opened a Premier Bond account with Union Bank of India(UK) Ltd. All went smoothy until we called our bank, First Direct, to make the deposit payment by FPS. First direct could not verify Union Bank of India(UK) using the sort code and account number provided by UBI and…
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need suggestions for some reputable actively managed funds?
I am looking to switch from index funds into funds that are managed actively.Can people recommend some decent reputable actively managed funds please so I can do some research. Are there any that specifically invest in the banking sector? UpdateAs several people have asked about why I am doing this, here it is.Interest…
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Buying Stocks: Tips / thoughts? Scam / rigged game or just a VERY high risk / exclusive club?
EDIT: My mistake asking this in the wrong forum. Just boils down to a semantic error on my part; meant technical is in being technically proficient in stocks for want of a better term. I don't know. It was late! I know now the relevant forum anyway and kind thank yous to any who kindly answered me regardless. Much…
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Cryptocurrencies: Your thoughts?
EDIT: The spirit of my question is basically: "Are they useful?" and "If so, which ones?" [and guessing best to try Bitcoin unless otherwise advised]. OP: With how they are known to fluctuate are they ever a safe bet? I haven't used them but one can surmise certain things with even the slightest modicum of information.…
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SIPP and ISA for newbie
Hello, I have a number of workplace pensions looking to consolidate and trying to understand best options. At moment I like the flat fee of interactive investor and appears they are typically the cheapestPension pot is approx 100k. Understand ii is £20 a month then 7.99 to switch funds, make a trade etc. There are others…
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Investing in gold, where to start?
I would like to diversify my investments to include gold, buy not sure where to start. I would like to have physical gold, but will I need to pay 20% VAT on purchases? Is the cheapest way to buy gold by buying "gold certificates" (if that is even possible), and would I avoid VAT this way? Will I have to pay VAT regardless…
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Where to invest from 50
I will turn 50 this year. I don't have any savings, but have paid into work pensions all my working life and I should have paid off my credit card debt in the next year. What kind of investments are going to make me the biggest nest egg over the next 17 years. Thanks.
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Making money work harder in 2022
Here for some advice. Since the pandemic, my wife's and I moved to a full Working from home model. There are no signs that this working model is about to go (employers sold off most of their offices). We decided to extend our three-bed semi to have a proper office to share. We can start building in the summer or autumn,…
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Stakeholder Pensions
My policy was a Prudential Guaranteed Pension Annuity in association with the TUC. I took it out in the late 90s as it gave some provision and no contributions were possible as I was a supply teacher for a few years. There were criticisms at the time, especially by the banking unions, but I do not recall the details. I’m…
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with profits polices: role of agents
I had two with profits policies which have now matured, but i’ve been subsequently worried about the role and effect of agents’ commissions on these policies. There was some mention of this issue some years ago, but i do not recall the details. What is the current state of this concern? Should i have been more concerned at…
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I live with my parents who receive various benefits, can I start investing?
I'm 21, I know next to nothing about the rules regarding finances and benefits. I don't have a job, so if I start investing and making money, is that allowed? If so, what is the limit and do I have to declare anything? I don't want to get in trouble, and more importantly get my parents in trouble.
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Octopus Aim IHT portfolio
Is this a sensible way of avoiding IHT? This is the market leading fund by some way but fees are high and Aim shares are more volatile.
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How do you DYOR?
Please may I ask for help in
learning how to assess/compare funds. Below are figures from 2 global trackers
shown on the Fidelity platform (info is shown in a simpler and more friendlier
format) Listed are the Price/earning
figures. Is this the price-to-earnings
ratio (P/E ratio) used for valuing a company to measure its…
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Is there such a thing as a DIY adviser?
Hi, is there such a thing as an adviser who can help with perhaps one-off advice? We only moved into DIY mid last year, having read/watched/consumed all the suggested books and videos from the forum and done lots of research, and we're happy to be DIY but I suppose just need a little reassurance that we've done / are doing…
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Tips on selling my 10yr investment...?
I bought shares in a private company 10 years ago that has grown a lot and I'm now looking to sell some of them. I sold one 3 years ago but to another share holder internally so I have no experience selling to the public before. Does anyone have any advice? I plan on posting on a facebook group geared towards people…
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How do you diversify?
I'm not an experienced investor but (now) understand that it's important to diversify. However I feel I'm struggling to achieve it - partly through lack of knowledge and partly through fear, which I know is counter-intuitive. I'd be interested in hearing how others do it, and any observations on my own attempts. My (our)…
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How would you invest 10k
If you had 10k how would you invest? This is how much I have in my life savings, is their anyway to grow this? I don’t have any idea where to start with investing
