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HMRC details
Not sure if this is quite the place, however. I was recently asked to send in a self assessment form which I had not previously been asked to do. I rang HMRC, prepare for a 50min wait, they said that my interest earnings from my bank accounts had taken me over the £10k threshold. I asked for a list of the accounts from…
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Natural yield vs. total return
Heading into retirement I tweaked my portfolio late last year so most of our income needs come from yield on savings, bond funds and equity funds. I recently watched a YouTube video by James Shack (aka the man in the kitchen) who said it makes no difference whether you go for natural yield or total return because, when an…
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Premium bonds win
Hi all, My 5 month old son was fortunate enough to win a decent sum on the premium bonds recently and we'd like to use the winnings to invest for the longer term. Our plan is to split the winnings across our two sons and max out their junior isas each year (until we reach the sum of money won). My questions are about the…
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Novice Isa question
So i am new to isa's and opened my first in june 2025 i put 15k in one and 5k in another. Now when it comes to been able to deposit more money in them my question is this:- if i put another 20k into the 15k isa do i get interest on 35k or just the new 20k? thanks, please don't crucify me :)
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Union Bank of India
This bank is in the top list of 12 months bond on the savings site. Anyone had an account with this bank before and can comment on your experience with them? I am thinking of opening a 12 months bond with them.
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CGT sale which do I sell
HI Just started transfer request from HL to Charles Stanley of my GIA account and regret not taking advantage of the the past bigger CGT allowance. Aim is to shelter all this eventually into the ISA. Confused about which I should sell first to tidy things up was thinking about the deutche Telekom holding and the Troy fund…
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Treasury 4.625% Green Gilt 2037 auction - Closing 10 March 2026
This will only be of interest to direct investors in gilts, and therefore they are likely already aware of this forthcoming issue. If not, here's a heads up. Will be interesting how the 'big hitters' in the auction price this issue given current market volatility, oil price rises affect on inflation and how this feeds into…
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Cynergy bond renewal loyalty rates
What am I not understanding about why the 1 Year AER and Gross rates are not the same? Also, why would AER be compounded for durations < 1 year? And surely both are the rates of interest before the deduction of income tax? My brain is failing to compute! Term Loyalty AER* Rate Loyalty Gross** Rate 6 Months 4.06 % 4.01…
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Should I dump my stocks ?
The other side of the coin perhaps to the "should I sell my gold" thread. I'm thinking about the S&P 500 specifically which so far hasn't really been phased by the war going on in the middle east. We shouldn't try to time the market we are told, but I'm getting nervous and can't see much down side to a few weeks out of the…
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I have shares in a delisted and dissolved company - are they worthless?
Hi All, I'm having a sort out and have found a certificate for shares in Media Corporation Plc, which was delisted from AIM on 1 November 2013. I have letters from 2012 about subdividing shares, consolidating shares (which I think then never happened) and a potential name change to Leopard Oil Plc (which I also think never…
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Problem depositing funds with Union Bank of India (UK)Ltd
Following recommendations from Martin on the show we opened a Premier Bond account with Union Bank of India(UK) Ltd. All went smoothy until we called our bank, First Direct, to make the deposit payment by FPS. First direct could not verify Union Bank of India(UK) using the sort code and account number provided by UBI and…
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Co-Op Regular Saver matured but no interest?
My Co-Op regular saver matured today as per the email I received and turned into a Smart Saver. Their website says interest should be added upon maturity. What's going on? Has anyone else seen this?
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Junior ISA fund advice for my daughter
Hello everyone. I'm starting a Vanguard junior ISA for my daughter who's 3. Considering it isn't to be uesd until she's 18 or so, what vanguard fund would folks here recommend? The following keep coming up in the research I've done and wondering if any stand out as the best option? Vanguard FTSE Global All Cap Vanguard…
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Fund & Share to a SIPP: is it a good idea?
Good morning.
I inherited ½ of my dear latest’s ISA (with Hargreaves Lansdown;
let’s call it HL for brevity). But as we didn’t make it to get
married, I had to open a regular Fund & Share account, also with
HL’s platform, where his ½ of the ISA was transferred into. I’ve
already transferred some of the shares into my HL…
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Investing / Carry on regardless?
i started investing late - starting my sipp at 50, now at 51 having become comfortable and slightly more informed ive been happy to invest around 80k in HSBC global balanced fund. I realise the best thing is said to be just keep going but the high valuations, potential AI bubble and potential slow recovery with my age in…
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reinvesting cash held in Stocks and Shares ISA
hi there I sold some shares within my S&S ISA but didn't withdraw the proceeds. I have since put my full £20,000 allowance in a cash ISA (both in same tax year) Can I now buy shares in the S&S ISA using the cash held within it (£3000) or not because I aready have full amount in a cash ISA Many thanks for advice and hope I…
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YBS - log in problems etc
I've spent about an hour trying to log in - sometimes phone rings when it should provide a code but then is silent and at other times I get and enter the code online and soon after my internet connection is lost (that happened repeatedly). Cannot "Report an issue" from the log in page as that too cuts the connection.…
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Investing for our children's future
My wife and I are reasonably financially secure. We don't have a mortgage and are debt free. We max out our ISA and pay into a SIPP as well as a DB scheme. We have received an inheritance - some of this we would like to use to help our teenagers through uni and to buy their first property. What is the best way of doing…
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Post Office Savings Transfers
Can anyone advise if I had a savings account with the Post Office can I transfer that money into someone else's bank account not in my name? I have borrowed money from a family friend over the years and am now needing to start to pay it back in instalments when I can, not regularly but when I have the spare funds. I don't…
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CHILDS SAVINGS ACCOUNT
Our grandson lives in Malta and we would like to open a savings account for him in the UK but every account I have tried requires him to be a UK resident , does anybody know if it can be done or will we have to open a EU account for him ?
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