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Help with maximising my savings
Hello. Im looking to save a deposit for a shared ownership home. Ive given myself a 2 year target and a aim of £8k its going to be tight for multiple reasons so i need to try and maximise my savings. Sadly i cant have a lisa and im now just list in a sea of savings accounts currently putting £50 in a help to save account…
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Opening first SIPP
Very new and to all this and have been trying to learn... I want to take advantage of the govt tax relief on pensions... Thinking of opening a SIPP and depositing £2880 as a lump sum. In terms of an investment strategy, I was thinking of putting 100% into Fidelity Index World Acc. Using Fidelity as the platform... Somebody…
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Maths Q on how many shares to sell.
I wonder if anyone can help me out with a 'formula' please .Not being blessed at all with a mathematical mind, I'm floundering with trying to work out how many SMT shares to sell without going over the yrs CGT allowance. Basically I made a 5k purchase in each of 2014, 2016 ,2019 at an average price of 737.65 per share for…
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Property Investment Question ETF REIT Investing
Hi All! I want to invest into the property market, in a specific area in the UK, as I know it very well and the property prices in that specific area. Problem I am having, is beyond purchasing a physical property there, if I want to invest via a platform, either an ETF or REIT, it seems to be a general UK offering, rather…
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Inheritence money
We are due to get this as the house is sold the solicitor asked for bank details by post and a statement but it says it could take months is this right given the house sale is tied up and money in there bank? It’s a 4 way split so I know everybody has to send there form back but could it take months and they try and drag…
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Where would you put £30k, aside from regular savings/ISA?
is there any other more lucrative options, besides regular savings account/fix accounts/ISA but saying that I don’t want anything extremely risky like investing in the stock market but are there any other options? if you had 20k to invest/ where would you put it? i’ve always just used a one or two year fixed savings…
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Help needed! £60k in savings and don't know what to do!
Hi all Sorry for the stupid post but I really could do with some help. I have just sold my house and have £60k equity saved off it. I do not need this money only to build upon it for buying our house together. I don't need to withdraw ever off it for the longest period being 12 months and the shortest being 9-10 or 11…
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How to get statement for a closed Nationwide saving account
Hi, I had a regular saving account with Nationwide that matured couple of months ago. How do I get a statement for it (pdf file is fine)? I can't seem to find it anywhere (the account was set up as paperless so never received statements in post). Thanks!
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Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
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Investing in US Market Shares Berkshire Hathaway
I am thinking of making an investment of initially about £10K in Berkshire Hathaway class B shares in a Trading 212 Investment account (GIA). Part of the motivation for this is to be able to use/control my capital gains tax allowance whilst I have more money than I can get into ISAS but I don't want to keep all of it in…
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Cahoot Certificate of Interest
Do Cahoot issue certificates of interest? I can only find the account summary document which details everything but doesn't totalise the interest received. Am I too early in looking or do you need to request one.
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Mortgage Deposit Saving and Need a New Car
Long time lerker, first time poster. My wife and I are successfully building savings for a deposit on our next home (currently mortgaged on our first home, and will sell and move) However, we need to buy a new car as the current daily driver is on its last legs. We are looking as spending around £15-18k on a nearly new.…
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RCI and Charter - identical systems
I was recently lucky enough to inherit some dosh from a relative (no - not that much), so I was looking for places to put it. I opened savings accounts with both RCI and Charter savings banks. They're not supposed to be linked in terms of FSCS protection, but I can't help noticing that the account numbers they have given…
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Transfer of shares - tax to pay?
My father has in excess of £200,000 worth of shares that he wishes to have transferred into my name - his daughter. These will continue to be held, not sold. Are there any tax implications on transfer to me?
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Seeking Advice - Investment - Balancing Risk and Reward
Investing My Pension Lump Sum - Seeking Advice! Hi everyone, I’ve recently received a lump sum from a final salary pension that I literally started in 1987-1995! It was sitting there all those years, and seriously couldn't have come at a better time in terms of triggering, as I have been up against a wall finanically for…
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Best short-medium term accounts?
Unfortunately I’ve got a terminal diagnosis which was 12 months last October, so I cashed what I had in my pensions, these are still being processed but should end up around 100k (I’m 48). I’m wanting to get the best monthly return but also need easy access as although still getting paid from my employer, I’m not sure how…
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TSB possible takeover
I’m a TSB customer (savings) apparently Santander may be about to buy them out soon i was wondering how this could possibly affect me as a customer is there any chance I may end up having to move all my money out? Or is that very unrealistic in this type of takeover? I read this article: “If TSB were sold, current accounts…
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Royal Mail Shares
I did not accept the offer to sell my shares but see today a payment by IDS PLC in my bank account which means they must have been compulsorily purchased. Works out to the offer price of £3.60 per share. Does anyone know if the Special Dividend of 8p per share will still be paid if compulsorily purchased. Looking through…
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Fully understanding the reasons for holding Acc or Inc units generally?
I think understand the reasons why people choose Acc or Inc units in tax efficient wrapped products and unwrapped products. I have decided to use more Inc units to drain a bit of value out of my equity units in a very unemotional way and avoid trying to time the market. I intend then just keeping the cash in MMFs and to…
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Value small cap
Does anyone know where i can get a value small cap etf? From what i can tell having 10% in small cap could have increased returns by around half a percent over the last 20 years whilst also reducing risk. PWL-WP-Felix-Factor-Investing-with-ETFs_08-2019-Final.pdf (pwlcapital.com) Page 20 ignore the allocation he is…
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