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Private pension v Cash ISA
Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…
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Moving from US based share management company to UK?
Hi I'm looking for some advice. Many years ago, I used to work for a US based company's UK subsidiary. I bought some shares through the employee programme. These are US based shares and are managed by a US based company; The dividends are reinvested to buy more shares in the same company. Due to poor service from the…
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Money Market vs Gilt Fund (again)
I've asked similar question couple of years back but thought worth getting an up to date perspective… My pension pot currently has 70% equities, 20% money market fund, 10% UK gilts fund (containing mix of medium to long term gilts). The gilt fund is basically all that is available from my workplace pension in terms of…
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Saving a lump sum
We are inbetween houses at the moment and have about £180k in our bank account, can anyone recommend the best thing to do with this amount of money? It’s currently in an account where the interest rate is 2.3% so I know I can do better. I don’t know whether to split it up between different accounts/ISA’s or keep it…
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Zero launches 'Planet Safe Saver' ethical savings account
Fintech app Zero's new 'Planet Safe Saver' account pays 3.66% AER (variable). It's currently the highest-paying easy-access 'ethical' saver, meaning it avoids funding fossil fuels, weapons, tobacco and similar sectors. It's not a top market rate, but 'ethical' accounts are something we're often asked about, and the rates…
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Peak Capital
Has anyone heard of this investment company in Switzerland. I’m trying to find out if it’s bone fide or a scam. I got in touch after seeing the supposed spat on Question Time between Nigel Farage and Andrew Bailey, I’ve put in £250 and I’m now having second thoughts. Also the financial advisor rings me every day /every…
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ERNS.L iShares GBP Ultrashort Bond UCITS ETF - Change to Quarterly divis
I was mildly surprised to see ERNS went ex-dividend this morning. I missed the change to quarterly dividends from the start of this year and was expecting the next dividend at the end of June. I raise it in case anyone holds ERNS outside of tax shelters because the payment date is 31st March. It's also worth noting the…
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S&P 500 VUAG £1000 here's how it's profiting6mnth,now
Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest, even my maths is telling me…
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Found an Old Share Certificate for US company
I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks
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Bristol & West Liquidation Payments
I submitted Bank Details using their on-line 'registration process' but because of how HSBC name an executors account, the submission failed their a/c name matching process. A response was along time coming from Bristol & West, who asked for a copy of a bank statement. This was duly supplied, but, they chose not to process…
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Investing
Hi, my cash ISA is maxed out for this year and will be for the new tax year when I fund it, but I'm wanting to put £50 or so away in something similar to a stocks and shares ISA. I'm aware I can't though as my cash ISAs are maxed out. Can I still open a S&S ISA or is there something else I can go for? Thanks
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S&P 500 Distributing ETF
I have invested in FTSE 100 and FTSE world distributing ETF but not yet invested in the S&P 500 ETF. Anyone can comment on a S&P 500 distributing ETF in sterling that you have invested in the past or present? The name of fund? Thanks. Not looking for advice or opinion, just a fact, that is, the actual name of the fund.
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SIPP and LISA fees
Hi, I currently have a SIPP with Fidelity, in ETFs, so I pay £7.50 a month in fees. My question is, does it make sense for the £7.50 to come out of my SIPP or a CMA. From my understanding if I pay it out of my SIPP, I put £6 in, get the 25% (£1.50) uplift to make £7.50 and pay it with that. However, if I pay out of my CMA,…
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RBS Digital Regular Saver
The max monthly deposit is £150. Is this net or total? Ie if I withdraw £4k on 1st April, can I add the £4k back in on 25th April, as long as the balance does not increase by more than £150 (plus interest) in the month? I'm sure i've seen this asked before but could not find!
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Materialisation of Shares
I wish to move my electronic shareholding from Hargreaves Lansdown to Computershare, which is the registrar for those shares. Computershare will only accept materialised shares held as share certificates, but Hargreaves Lansdown is unable to convert the shares from being electronically held into share certificates. I need…
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Downsized and want investment advice
Hi, my wife and I downsized and now have no mortgage and about £115k to invest but don't know much about investing or pensions. When the new tax year starts we will probably put 20k each into a stocks and shares Isa. We are mid/late 40s so retirement a long way off. I have a small Sipp (18k) and my wife has a small work…
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Ford Money inability to transfer my money on maturity to my bank account
I've a fixed bond maturing with Ford Money on the 6th April 26. They have asked for my maturity instructions. I want the money transferred to my bank account so I can move it elsewhere. The drop down menu on their on-line account doesn’t allow for this. Although the written instructions say it’s an option. The drop down…
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Found old Unit Trust certificates (person has died)
Hi there, I have found 2 Unit Trust certificates (Pearl Unit Trusts) in my mum's name - she died 5 years ago. I have no idea what these are and how to proceed if there is a monetary value to them. It seems that Pearl Unit Trusts no longer exist. Any advice greatly appreciated. Thank you.
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Unforseen&Non upfront advertised Investment platform
Hi all. Some platforms don't show the charges & restrictions that they impose on you and your cash until you learn the hard way when you want to take uninvested cash out & then they inform via a brief info that it's 4 business days, I guess that would be 6 if a wknd is involved so investment platforms aren't like banks…
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