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Legal case winnings
Had something awful happen to me which has related in a legal case which I have just settled. I am unsure how to invest my money? After fees I’m looking at approx £60K. I know I can put £20K in an ISA but unsure what to do with the rest? I don’t know a lot about investing! Would appreciate any help! Thank you
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Fixed year bond that only pays interest at Maturity
I want to move my savings into a 3 year bond. At that point I expect to retire. However, my preference is to have the interest at maturity,not annually. Is there such an account. Everyone I have called and tried all say the interest is paid annually. thanks
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File your Self Assessment return
Here we go again - another tax year. Only 4 days in and I have already received the email demanding I 'file my Self-Assessment return'.I would be happy to do so if HMRC were to sort out their own processes such that I don't have to wait until November before I can request a copy of the BBSI report for savings interest. The…
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Advice wanted re tax on savings interest
Hello, I wonder if anyone can help me with a query? I have recently come into some money and currently have it invested and managed by a financial adviser, but I'm concerned about the charges, specifically that they'll wipe out any gains. I wanted to know if I invested the money in a savings account instead (£90K), would I…
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Investment strategy 25/26
I've spent a few weeks reading 'Investing Demystified' by Lars Kroijer - what are people's thoughts on the simple portfolio of World equity index tracker + UK Gilts at this time? And appropriate splits for a 5+ year timeframe.
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HL fee query when dealing funds
Apologies for my ignorance but I find the HL help pages quite confusing ... I want to sell an Income Fund which is held in a GIA with HL and re-buy it within my HL ISA. As this is a fund, do HL make any charge to buy and sell if I place the deals online? Thanks.
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Explain please...
Monevator's newsletter today: "Trump’s supporters don’t care less that China ultimately buying a lot less US stuff would mean it would have far less need to hold shedloads of US treasuries. "Nor that unwinding China’s US debt stockpile would see US rates soar, crippling US households." I'd like to understand how these…
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Investing - Where to start?
Hi So I'm at the point now where I think I have too much in savings and probably need to start moving some into investments, especially as we start to see the savings rates reduce and interest start to dwindle. I'm not completely new to investing, I popped a couple of thousand into a S&S ISA last year divided between a…
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Santander Easy Access Saver Limited Edition (Issue 3)
Just had this email about my Easy Access Saver Limited Edition (Issue 3) We're increasing the term of your Easy Access Saver Limited Edition (Issue 3) by an extra 10 months. From 1 October 2024 you'll also get a new interest rate of 4.00% AER/3.93% gross (variable).
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Re Cahoot Sunny Day Saver
Apologies if I've missed the answer to this elsewhere.Is the maximum £3k for interest purposes referring to capital only, or would it include any compounded interest?Thanks.
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Would You Prioritise FSCS Protection or Choose a Better Platform Despite Exceeding the £85k Limit?
BACKGROUND: FSCS Protection Limits The Financial Services Compensation Scheme (FSCS) currently protects up to £85,000 per person, per authorised financial institution. This includes: - Cash in savings accounts - Assets held in Stocks and Shares ISAs - Pensions (e.g. SIPPs) - Investment accounts ...as long as the firm is…
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alternatives to equity
I have 80k uninvested in my sipp that i need to do something with. With only 15 years to retirement and the possibility of a falling market / no growth for a significant amount of time im looking for alternatives to the balanced hsbc global fund i was considering. Growth would be nice but really happy just to protect it…
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SJP Portfolio value drop
Hi. I was hoping for a little guidance on the following situation. My partner has a medium/high risk portfolio with SJP. At the beginning of February this year it was approximately £535k. Her fund manager advised withdrawing some £20k from the pension as it could be tax free. The pot has been dropping in value and, as of…
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Buy the dip??
I have read and listened to many comments about "buying the dip" but how do you know where the dip is until after any market has recovered?? Thanks!
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Cheapest Tracker of the Price of gold
Can anyone recommend the cheapest way of investing in Gold within a S&S ISA which tracks the actual price . Was going to buy some physical gold around Christmas but put it off due to security concerns and it has gone up around 10% in that time .. looking to add some divercity to my HSBC Global Dynamic tracker . thanks
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So....April 6th
Those ready with lump sums to invest come Monday (and a long enough time horizon) are you at all put off by investing into equities right now? I'm still very new to investing (2-3yrs) so the recent Trump related dips and maybe blockchain volatility are the only times I've seen the boat rock so to speak. Yes yes I…
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Hargreaves Lansdown cashback
I was thinking of opening a new savings account through the Hargreaves Lansdown site to get the cashback. I was wondering how well it works? Anyone with good or bad experience would help. Thanks.
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Dollar cost averaging (DCA) strategy
Hi I know that lump summing into the market beats DCA 60%+ of the time but let's just say you wanted to DCA in, what is the best strategy? Traditionally DCA would involve making monthly payments, so 12 payments a year. With the likes of T212 you can set pies which allow you to invest daily, weekly or monthly with minimal…
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Trading 212 Invest - missing interest payment 1st August 2024
I'v just been going though my 212 Invest acc cash interest payments and i seem to be missing a payment for 1st August.Only a very small amount in my case,just wondering this happen to anyone else?
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Marlowe plc Ordinary Shares
I have just been checking my share dealings and have come across an anomaly.In July 2024 I bought Marlowe plc and sold them in November, with a £1,000+ loss When I look on Google the price of Marlowe plc was less than 250, I then sold in Nov when Google showed the share price at 350When I sold my Hargreaves Lansdown…
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