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Considering dabbling in Bitcoin
I'm looking to invest a small, speculative, amount in Bitcoin. I currently put towards investing £500/month. This is split £400 in a Vanguard global fund, £50 in company stocks and £50 which I class as my speculative pot. I'd like to dip into the Bitcoin market, I know there is a risk it can tank and I'm prepared for that…
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Yorkshire Building Society - online login not working
This problem appears to be ongoing for 5 days now with a payment made from YBS to a 3rd party over a week ago which I learned was never received. So I can't login to even check if the payment bounced.I've tried ringing them 3 times and gave up after 30 minutes of hanging on. I've tried their chat bot, but all that happens…
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Funds in SIPP
I have seven funds in my SIPP, and a small investment in FTSE 100 shares. One of the funds is Fundsmith, and in the eight years I've been running the SIPP its performance has been excellent, more than doubling in value in that time. However, the fund accounts for just under one third of my total investments. Is this too…
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Income funds?
Most of my pension comes from a small DB plan (which covers my basic needs), but I have some money in a SIPP. I have come to the conclusion I don't like the thrill of the stock market ups and downs and that having a plan where I can focus on the dividend (etc) income being paid will help me worry less about underlying…
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Index-linked gilt, inflation uplift
I've just received my first T29 coupon payment and the DMO's site (https://www.dmo.gov.uk/data/ExportReport?reportCode=D5I) nicely shows how it is calculated. I hold 45283 units so *0.125% coupon, 50% of that (6-monthly coupon) *1.70874 (index ratio) = £48.36, the amount credited. My question is whether taking the…
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Chip on Crowcube funding round 2025 email 16/9/25
is there anyone else who has chips “shares* i invested through crowdcube in 2018, 2022 and 2023 and have 3 share certificates. The investments show 2 as nominee and one direct. There’s also an EIS attached to the direct investment (details haven been completed apart from the name/signature by CHIP) Im thinking of selling…
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Daughter finally flying the nest
Little one and boyfriend have bought a house (a gazillion £ compared to the ten bob me and Mum paid for ours) Both work for NHS @ about 50k each. They are asking for financial advice. NHS pension great but neither wants to work beyond 60 (55). All their savings have been going to house but what now? Have suggested automate…
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Financial Guidance
The old fella and me are thinking of selling our house. We want to move nearer to his work, but don't want to buy in that area. He retires in 4 years, so we're thinking of selling the house, renting a small place until his retirement and then with the sale of house money and his retirement payout buying a new home…
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400k cash investment tax implications
Hi I have 400k that I wish to get invested and apart from the GIA route which has tax implications. I can slowly use this money to fund my ISA each year but that has CGT impications and it will take years. I went to see IFA and they suggested investment bonds which I don't know much about so going to do some research. Has…
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Shawbrook - maturity option rates guaranteed?
May I ask those who've had experience with maturing Shawbrook fixed rate accounts (whether or not ISAs), if they selected an option 3 - 4 weeks prior maturity, is that rate guaranteed if the rate subsequently drops? Thanks.
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HMRC Tax Code changes are on their way
I don't mean generally, but for those of us who have exceeded our PSA. Confusingly though, the notification I received this morning via their app was a Tax Code change for 24/25 based on estimated untaxed savings interest for this tax year. Yet, when I check for tax due on my untaxing savings interest for 2023/24, it still…
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Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
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Rearranging gilts: deckchairs on the Titanic?
Luckily, perhaps, only 20% of my fixed interest holdings are in a gilt index fund (the rest is global aggregate, corporate and a 2029 linker) but it's still not much fun watching it drift lower and lower. I'm tempted to move it into a nominal gilt of similar duration, something like TR33, to lock in the current yield. Or…
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CGT 30 Day Rule and ETFs
Hi If you sell shares in an ETF that tracks a particular index such as the Nasdaq and within 30 days buy another ETF that tracks the same index with a different provider, does HMRC accept that for CGT purposes?
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Santander Edge
I haven't been able able to find answers for my following queries the Santander website. Apologies if the can. I have an Easy current account (I can't understand what's the difference with the previous 123 lite). I would like to work out the requirements for Edge current and Edge saving accounts. I've read several time the…
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Investment platform scam - Beginners Guide
A close vulnerable relative has been caught up in a scam investment platform, and I can't find anybody complaining about it online yet so just seeding the URL name where I can to generate a digital footprint. I caught wind of the activity and spotted the URL. I did and found the following for the (nicely designed) website.…
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Gambling Transactions when blocked
Hi all hope this is the right place i have 2/3 bank accounts and I always have gamble block on. My TSB account has it this on for months, however I tried to deposit money into live score bet (it’s commissioned by gamcare etc) and low and behold it went through, I’ve not lost a lot of money but surely the bank needs to get…
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Raisin fixed rate - what happens if processing not complete before rate reduction?
This morning, I applied for a fixed rate account through Raisin. There is a notice from the provider saying that the rate will reduce starting from tomorrow. I completed the procedure (transferred money into Raisin account, then applied for the fixed rate). I checked just now (just before 20:00). The money is still in the…
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Child savings
Hi, I’ve got 2 children both with about £3000 each in savings. I also save their child maintenance each month (around £80 each). I’m confused with all the advice on child savings. What is my best option for this? The money is currently in a random bank account of mine. Please can someone advise me what’s best?
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NS&I maturity options
Hi, what are most people doing with their NS&I bonds? Is there anyone letting theirs roll over for another year? Mine matures in over a week's time, and I'm just thinking about what to do.
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