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Beating passive trackers?
There is - at least in the papers I read - an advert which is simplicity itself. The main text is:'I aim to maximise your ISA investment by signifiantly outperforming passive tracker funds.'This is an open invitation, so I compared this fund to Vanguard's Global All Cap Index. It didn't do too badly, but it's more volatile…
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New job, being enrolled in Standard Life Pension, can I sweep balance into my private pension.
New job, being enrolled in Standard Life Pension, can I sweep balance into my private pension on a regular basis? I will only be in the Standard life one for 3 to 5 years as I'm in my 60's now. Also would it be worth reducing my contributions to my private pension and the reduction adding it to my company one to get the…
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Savings Matured - What Next?
Hi All, I have just had a small savings pot mature, and this has left £12k in a current account. I have just become mortgage/debt free. I'm 41, earning £ 40k per year, and paying 12% into my pension, which is currently at £102,000. Two kids under four and childcare is approximately £500 per month. I want maximise my…
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Anyone using Sidekick found a way to view the daily accrued Interest amount?
Has anyone managed to locate the daily interest amount in the Sidekick app? I can see interest earned to date but nothing about the actual daily interest (interest info says accrued every day but only applied from Sunday through to Thursday).
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Getting into the market
Hi all I have an inheritance in the pipeline and I'll be maxing out my ISA allowance. I think it'll be after the end of this financial year. I'll be saving with a stocks and shares ISA, and I wondered what people's thoughts are on the best way to load up the ISA: 1. Dump the 20k straight in and get the investment going at…
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Looking for Advice: Change in Investment Management After Firm Buyout
My long-standing financial advisor recently retired. Despite the ups and
downs of the markets over the years, they consistently helped me stay on track
and achieve both my retirement and investment goals. Since their retirement, I’ve been working with a new advisor within the same
firm, and overall I've been happy with the…
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De-risking S&S ISA prior to house purchase
Hello, thought I'd garner opinions on here about de-risking S&S ISA before using the money as a deposit on a house. Scenario is about £50k held in HL ISA and LISA (approx £25k in each), currently invested in global equity trackers. Looking to use the money as a deposit on a house in about a year's time. So therefore…
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Kent Reliance rant
Kent reliance are in the midst of setting up a new IT platform but have released the new system without full functionality or integration of existing data. Previously I could transfer money from easy access account to new bonds. Now bonds are on the new platform, with separate login but existing accounts on the old. To…
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Savings comparison
Is there a tool I can use to help quickly compare savings rates. Eg I can save £200 a month at 5.25% or save £2400 at 3.5% (both for 12months). Which is best option.Obviously I can work out manually but looking for a quicker way. Thanks
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Portfolio advice
Hi Just wanted to get some advice on my self managed portfolio which i have always kept quite simple. With the recent volatility and over priced USA stocks it has made me think about the allocation and if holding such a large amount in Ftse All share/S+P tracker is diversified enough. I have about 10-15k to put into…
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Santander - free 4 year railcard for anyone aged between 20 and 25 saving £50
https://www.santander.co.uk/personal/current-accounts/railcard-offer Saw this on my Santander homepage, and thought I’d share. Seems like a pretty nice offer for not much work! To get this offer you must: -Be aged 20-25 on 30th June 2025. -Open a Santander savings account (unclear if existing accounts count). -Deposit £50…
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Principality online bonus triple access (issue5)
It you close this account early does the interest get transferred with the amount in the account or does it get sent separately?
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Why do I invest in a global index when the S&P500 always wins?
I'm invested exclusively in VWRP which is a global index fund. I chose this because I read countless articles about concentrating all your money to one country can be risky, even if that country is the United States. And it made sense at the time, I thought I was being smart and risk averse by opting for a more balanced…
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Temporary Large Balance protection
I am just trying to check whether the temporary protection still applies if I move the funds from the account it was originally sent to. Example: I sell my house main residence for net receipt of £700K from solicitor. Proceeds goes into account A which pays low/no interest. I move £500K into account B pending completion of…
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Best way to invest about 200k
Hi All, I am a higher rate tax payer and pay into my pension but not a large amount about £400pm as I am still some years away from retirement and do not like that the pension age keeps increasing. I have money in various savings accounts such as Santander, chip and Tandem. I have around 11k in 1 year fixed ISA maturing in…
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Banks/Building Societies with accounts that you can fund with a Debit card
I am looking for a list of institutions, such as Yorkshire Building Society that have a "deposit" type option on their website to fund accounts from a debit card. I am fairly sure this has been asked before, but I have used forum search and can not find such a list. While I currently fund regular savings accounts with…
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Premium bonds?
Hi All, I saw a tweet about premium bonds, and I have done some research but am still unsure if it's worth the gamble. I currently have money in ISA funds and cash savings earning 3.75% and 4.4%, respectively.I'm considering putting £50,000 in premium bonds, but I'm unsure if I will be entered into the draw starting from…
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CYNERGY
Has anyone used a Cynergy cash isa? The reviews for this bank are not to clever on the internet.
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Bradford & Bingley building society crash
Out of interest I was just now looking up which building societies had gone bust The B&B was one in the fincial crisis of 2008/9 was one I understand the B&B bs went to the stock market and shareholders lost all of their money/share However, what I want to know is - are savers with more than the FSCS at £ 85,000, I…
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Child Investment Plan / General Money Advice
Hi All, I'm looking for some advice/criticism/comments regarding my current financial situation. A little background firstly, and all financials given are in GBP... I'm an expat right now residing in Singapore, soon to be moving to Switzerland (this summer), and with my wife (both 45) we currently have the following:- UK…