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How will my cash ISA work?
I put £4k into a cash isa last tax year at around 4.2% interest. It was with the bank that I bank with already. This tax year, I transferred this amount + an additional £9k into their new fixed term (1 year) isa. Does this mean I've used £13168 of my £20k allowance? Should I have perhaps opened an isa with a different…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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SIPP v Stocks and Shares ISA
I read that only 15% of UK adults have a stocks and shares ISA as most don't understand them. I've spent today trying to understand how these work. I'm late 50s and due to working part time as I was a lone parent, my nhs pension will be 'adequate'. Lump sum as of March 2024 statement is sitting at £30000 and monthly…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Nationwide Member Exclusive Bond
This year's bond is similar to last year's. 5%AER over 18 months. Maximum £10k. Down on last year's 5.5%.
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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bonds / gilts
Looking for a way to invest cash outside of the stock market, rates are above inflation but have been thinking about looking at bonds. Im unsure about where to start looking at bonds, any recommendations?
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Morningstar withdraws portfolio manager and X-ray
I have just heard from Morningstar that they are withdrawing these facilities from June this year. They are essential to my investment management strategy as they help ensure that the portfolio is well diversified across all regions, countries, sectors, equity type, asset classes etc. is there anyone else who provides this…
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LISA (gone wrong) advice needed
Hi all A quick backstory, I opened a LISA with Moneybox a few years ago and started saving but had to withdraw the whole balance due to a financial emergency leaving me with £0 in it. Then January this year I decided I wanted to start saving in my LISA again but saw Tembo had a better rate so in January transferred the £0…
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Best value for replacing share certificates
I inherited some shares from my dad, but we can't find the share certificates. I know lots have asked this in the past, but I'm trying to find the best value provider of a letter of indemnity so I can replace the certificates, so I can sell the shares. It's around £110,000 worth of shares so the quotes I've had have been…
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Alternatives to AJ Bell for Funds
At present I am holding quite a lot of cash, via money market fund CSH2 in my SIPP: AJ Bell's SIPP charges for ETFs etc are good, 0.25% capped at £10/mth, but their charges for Funds are uncapped so I am getting monthly bills of £40 or more. I mailed in and told them that they are uncompetitive, and the "Retention" team…
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Paying with cryptocurrency
I've been asked to pay for something with cryptocurrency but problem is I know nothing about it. This needs to be done in next ten days. Where do I start? Help!
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Personal tax account - now showing savings interest details ??
Some people are saying that they can now see details of interest on their savings accounts in their PTA screen. Others say not. The guidelines for the BBSI return were updated in Oct 24 and still say"HMRC requires UK banks and building societies to submit information annually about interest paid or credited to ‘reportable…
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Market Carnage - strategy (buy/sell?)
25% of my retirement plan is in a DC pension and S&S ISA (ive other in a DB pension and property), plus an emergency fund. Looking at the carnage im beginning to wonder how long it could last, how deep the sell-off may go (my equitties could we be looking at a 25-50% decline over the next 1, 3, 6 months)? A. Anyone in a…
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What to Invest in?
Hi all, I am due to inherit around £250k and am unsure of the best way to invest this. I have been thinking about buying a property and letting it out would this be the best option? I currently am lucky enough to have no rent or mortgage. Thanks all!
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Ltd companies bank details
Anyone know how I can find out a companies bank details ? I have recently won a tribunal case against ex employers and they have not replied to any correspondence I have sent in order to make payment of the monies the court ordered them to pay. I have now no option other to make a bank arrest, but dont know how to find out…
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Transferring SIPP from HL to Vanguard
Has anyone on here specifically transferred their SIPP from HL to Vanguard and what was your experience?
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Inheritance
Hi, I am after some advice if possible please. I am about to inherit 150k. I have no savings or private pension. I will be eligible for a full Gov pension though but not for 12 years yet. I am a single 55 y/o female who has been living on Universal Credit for the last year due to long term poor health. Obviously when my…
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Passive ESG (et al.) funds/ETFs
Hi all, I'm a suffering
from severe research fatigue and could do with some help. Not specifically
direct recommendations on product X or Y, but just some human input of my
situation. Sorry for the long post. With my humble
amount of savings, I have been quite happy with Cash ISAs, but I've now built
up enough of buffer…
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AJBell platform - Dividend payout
Just noticed there isn't an option for dividends to be automatically paid out to your nominated bank account. I know that HL have the option to do a monthly sweep, where all dividends are paid to your account around the 12th day of each month. Am I missing something or does AJ Bell really not have this feature?