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What to do?
I am likely to achieve an exit from a business in the next 12 months and the amount I receive after tax will be c£800K - I'm mid 30s, have a mortgage of £450K with very few debts, some modest savings and £125K in a SIPP. Can anyone help on the best way to allocate the money? I was thinking of paying the mortgage off…
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Hanley Economic Building Society
Hanley Economic Building Society are updating their App.Suspect some with older devices might be unable to access mobile banking. "Great news! We’re releasing a significant update to the Hanley Economic mobile app on Wednesday 19th March. This update will enhance your experience while keeping all the features you know and…
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S&P 500 ETF... Hedged or Unhedged?
I hold VUAG which last year made approximately +8% whilst the market it's supposed to track, the S&P 500, made +18%. I'm guessing this huge discrepancy is due to the strength of GBP v USD. IGUS which is a hedged S&P 500 tracker made +18% last year, matching the S&P exactly. Is there any reason why I shouldn't switch to a…
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Photo id for ISA mandatory?
Having an argument with Nat West and they've made the following statement: "For certain regulated products, including ISAs, a valid photo ID is mandatory under UK financial regulations and anti-
money laundering laws. While alternative documents such as a birth certificate, utility bill, or paper driving licence can…
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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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Nationwide bonus
Anyone gambling on another 100 quid in June? I'm already in the monthly saver, so instead of putting 200 a month in to feed that, put 500 in and withdraw 150 on each of the next 2 days. Will do it for Jan and Feb and also Mar to be safe.
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NatWest Invest S&S ISA vs Vanguard etc - fees
As well as a smaller pot (for messing around with manually) in a GIA on Trading2&2, I've kept the bulk of my non-pension investments in a stocks and shares ISA. Have 20K in there at the moment. I set this up about 5 years ago with fairly little knowledge of what was involved, just going off my bank at the time: NatWest…
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Inheritance
Hi all. Just looking for some guidance. My sons, 16 & 19 have been left a small inheritance that they can have when they're 21. Is a fixed rate saver the best option? Or an ISA? Feeling overwhelmed with the options! TIA
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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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Chase Boosted Saver Account
Hi I am looking to open a chase saving account, taking advantage of their boost offer to 4.5% In order to take advantage of the offer you are required to open a current account with them. Does anyone know if you have to make any deposit(s) to the current account or can it just lay dormant ? Thanks in advance J
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InvestEngine experiences?
Just wondering how people who are using InvestEngine are finding them? I’m considering transferring my sipp and isa over.
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Applying for Trading 212 Cash Isa
The article says that you get the bonus rate if you sign up via the link to the Trading 212 site but as far as I can see, you can't apply on the website - you have to do it on the app. So I'm wondering if anyone can tell me how that works ? I know you can put in MSE as the promo code but if there's a way to do it…
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Confused about best savings account for current circumstances
Try to keep it short: Wife has been made redundant and due to that received around £10,000. In a few weeks time will receive a lump sum from her pension provider connected with her now ex-employer. Again around £10,000. so,at the moment she is currently unemployed. She wants to put the money in an easy access savings…
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Funding a Nationwide RS - timings
Hi I have done a quick search of the forum and did not find the answer to the following so hoping you can help. My mum and I were on the Nationwide website yesterday (11/01) and the RS paying 6.5% caught her eye. So we opened the RS account and transferred £200 from her current account. So in my mind the 1st month is…
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Would switching to sustainable investments make a difference?
I manage my savings with Interactive Investor, and the whole amount is invested in Vanguard Lifestrategy 60. However I am very anxious about the climate crisis and was concerned to learn that Vanguard is a big invester in fossil fuels. My first response was that I should switch everything to an ESG fund, but on reflection…
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Will HMRC check the untaxed interest that I have given them?
On 7 December 2025 HMRC issued my P800 for 2024/25 with an untaxed interest amount of £666. This figure was incorrect and I phoned them the next day. We compared their actual figures with mine and discovered that they didn't have anything from RBS, Naitonwide and First Direct. The revised interest was £1,195 and their…
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Problems with Interacting Investors virtual portfolio
Hi there, I have had a virtual research portfolio with Interactive Investors since the ‘90s. I noticed there was a big red flag on my key chain on my laptop saying that my password had been corrupted and I needed to change it. So I tried…..about 20 times, to follow the instructions and have an email sent in order to follow…
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FTSE All-Share ETF?
There are any number of very cheap OEICs/UTs that track the FTSE All-Share index (e.g. Fidelity Index UK Fund, 0.06%, Vanguard FTSE U.K. All Share Index Unit Trust, 0.06%). But I'm struggling to find any ETFs that do the same - perhaps only SPDR FTSE UK All Share UCITS ETF but this is much more expensive at 0.20% TER. I'd…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Tax code change due to interest on my savings
How does a tax code K171X which is £1,710 needs to be added to your pay or pension so the extra tax can be collected work? I knew that from tax year 24/25 and 25/26 I would go over the £1000 tax free threshold. Would this underpayment be from both those tax years put together? As although I went over by £47 on my two bond…
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