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Compound interest conundrum
I could really do with some help if anyone would be so kind... Some savings have matured and I am left with the following options unless I'm missing something else. I have £16500 which could go in a Halifax fixed for 2 years at 1.65 or leave it in the accounts it is currently in (spread across 6 current accounts earning…
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31 Dec Annual Rebalance
Anyone else doing their annual review, market risk assessment and rebalance planning today? I decided to stick with VLS80 in my SIPP for another year (partly due to the Halifax VLS trading issue) and have just placed instructions to adjust my workplace scheme (no trade costs and very cheap to hold gilts) so my overall…
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Small amount for invesment - should i stay with funds or more to shares?
Hello All, I hope everyone's Christmas was great! Just a quick question, i have a small amount invested with HL (£6k at the moment but i will add more over the coming months) in a mixture of funds and i have been told from a friend a friend that i should be moving these into individual stocks (IE HSBC, barclays etc) for a…
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RL 360 Investment Advice
I’m really worried, I have had an RL 360 Quantum regular premium investment since March 2013(20 year plan). I have invested $1,600 each month, my total investment so far is $92,800.00, my advisor has me in Smartfund 80% Protected Growth Fund A GBP which the policy value is up 12.29% (policy value is currently $104,200.96).…
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Trustnet FE Risk score for portfolios
I have input my income portfolio containing 56% equities into a Trustnet portfolio backdated 5 years, and was pleased to see that it had a portfolio Risk Score of 55 compared to the VLS60 Risk Score of 62, as well as showing higher Total Returns than VLS60 over the last 5 years. I know Trustnet Risk Scores are only based…
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Renewing Kaspersky ex-Barclays
I did this earlier and thought it might be useful to share some information. 1. It's £4.99 but they gave me an additional 10% discount at the till so £4.49. 2. As far as I can see it's the normal version (not a cut-down one). 3. It is valid for three devices. 4. You have to stick with the default "automatic renewal" option…
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It is a minefield
http://www.thisismoney.co.uk/money/news/article-4078894/What-windfall-worth-100-000.html 1 year on, I wonder which one is doing the best? It would take a lot of work to find out, so I am not asking anyone to tell me. And I guess 1 year is not long enough..5 - 10 years maybe? One that caught my eye was vanguard in the last…
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Applied for Birm Midshire 1.45% Internet Account
Nice and easy.
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Any good share/fund price websites?
Hi I am searching for a good website that will allow me not only to look at share/fund prices but also so i can import the prices into excel automatically. I think google finance and yahoo finance used to allow you to do this but they have now stopped you from importing data into excel. Any free suggestions would be great…
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Investing over four years...
So my total investment 'pot' is just under 200,000, and in about four years time I will need to pay off an interest-only mortgage of 55,000. Do I (a) maintain a highly diversified portfolio of equity investments, given that it is likely that at least some sectors will be up when I need the money so that selling to get what…
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child trust fund / ISA
How do child trust funds/ISAs work when the child becomes 18 and can access the money. If I set one up for my son but didn't tell him about it, when he is 18 could I monitor how much he had access to and when? I want to set up some kind of saving account for him if he decides to go to university etc. He has some problems…
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Nutmeg, Vanguard Lifestrategy or Ready-Made Portfolio?
Hi all Complete newbie to investing here and was very much hoping for some of your expert advice. I have always been a bit nervous of the stock market but have always used my full Cash ISA allowance. I'm feeling a bit braver now and would like to put this year's ISA allowance of £15,240 into a Fund in a Stocks and Shares…
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iWeb vs Halifax Share Dealing Costs
Hi. I wonder if someone could confirm a couple of points about the costs of using iWeb and Halifax Share Dealing. 1) iWeb costs £5 per trade. I assume - if buying units in (OIECs) funds - this means each time you purchase additional units whether in a fund you already own or a new fund? 2) Halifax costs £12.50 per trade,…
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Save for emergency fund or buy new mattress
Our expensive matress has gone mouldy and in reality I'd prefer to buy a new one. I don't have any emergencyfund saved at all and oew my fiancee a lot of money already. Should i put money away in Emergency Fund and try to manage 3 months to save £300+ or buy a new matress then save? How would you do it
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Bitcoin
Perhaps its stretching this forums title a little; but Bitcoin? I like a gamble, but know nothing about it. Is it all legitimate? Am I supporting the black economy if I buy into it
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Rawr_'s Saving Diary
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Ongoing use of IFA
Last year's resolution was to sort my finances out, and in about February I duly signed up with a financial adviser to manage my pension fund and ISA investments (around £950k and £150k respectively). The charge is 0.8% appplied to my pension fund only, so about 0.7% overall for total funds under management. I was assuming…
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£5k starting rate for savings
I know the £1000 personal savings allowance applied in tax yr 16-17, because HMRC applied it to my assessment, but what is the first tax yr that the £5000 savings starting allowance comes in, meaning you dont pay any tax on savings if your total taxable income is below £17,000 as I dont seem to have benefited from that .
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Bull market, how long for?
When I started work I was told 'a Bull market always climbs a wall of worry', how much further does this Bull market have to run? Whilst Trump may not be the sort of person you would want to know personally his tax cut agenda for many of us represent a brilliant challenge to the Big Government that got us in the current…
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International early inheritance - so many questions!
I posted this earlier in Pensions, Annuities & Retirement Planning - please delete where not appropriate! ~~~~~~~~~~~~~~~ Hi everyone, sorry far the lengthy post, but I over Christmas had a few discussions which left me very confused. I appreciate any pointer in the right direction since I am completely clueless with…