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CGT - Bed & Breakfast Rules
Hi - In tax year 25/26 I undertook a manual Bed and ISA transaction in order to crystalise a gain on an OEIC position below the 3k CGT threshold. Stupidly, a few days later I bought some further units of the same position in the same non-ISA account which I realise triggers the bed and breakfast 30 day rule, resetting the…
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Is this a scam ?
Hi all. Ive just received 2 texts in quick succession from M&S Bank giving me 2 different 6 digit security codes. However I don't have any bank or credit card accounts with M&S. Should I be concerned ? I tried to ring them but because I don't have any account number I just keep going round in circles.... TIA
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Investment Bonds
I have been left some investment bonds in a will. Managed through St James They have to be split 10 ways and the total value is about 270k. The financial adviser have advised not to encash the total amount, but to split the investment and allow the individuals to choose if they want to "cash in" or not. I need the money so…
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Share tipping websites
Thought I would share this one just for a laugh link https://www.tipranks.com/news/company-announcements/jarvis-securities-strengthens-board-with-appointment-of-paul-shackleton-as-non-executive-director Quote 'The most recent analyst rating on JIM -6.25% ▼ stock is a Buy with a £9.00 price target.' Current price 8 pence No…
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Hanley Economic BS - Jet Set Account - Win a £10k Holiday
https://www.thehanley.co.uk/savings/jet-set-saver Each £500 in a 2.5% EA account on 28/08/26 earns 1 entry. Bit like the TSB draw last Sep. I'll make no comment that the good folk of Hanley think "Jet Set" is a cool term - which it was in the 1960's…
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Tally Money vs The Royal Mint vs Invesco Physical Gold ETC For Investing In Gold
I hold a very modest amount in the Invesco Physical Gold ETC in my ISA. Outwith the ISA, I have been subscribing monthly to The Royal Mint's Little Treasures plan to build up a holding in gold, with which hopefully to treat the grandchildren at some point in the future. I also have a small sum in a Tally Money account. I…
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IFA
A quick one. I've never used an IFA but a friend has asked for advice, she says her adviser is independent but charges 3% a year, which I think is high. What's a spread for reasonable IFA charges?
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Pay rise..what to do with it?
Hubby just got a 10k pay rise. It will be for at least a year as its all contact dependant. We have no mortgage and no debt. Anyway we now are in the fortunate position of that coming in. He will go from 40k to 50k per year. He's going to up his pension contributions by another 1 or 2% but we are very low on savings..we…
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Reclaimed old bank accounts/savings/investments/pensions? Success stories wanted!
Here's the new thread for letting us know you've Reclaimed lost cash, whether from bank accounts, premium bonds, pensions or investments. We want to hear about all about your successes, including: * How much you got back * What sort of financial product it was * Which methods you used to reclaim it (My Lost Account,…
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Accessing Junior ISA for Adult with severe learning disabilities - Court of Protection?
My 16 year old son has severe learning disabilities from birth and no ability to make decisions. He has around £7k in a child ISA and I am wondering what the best thing is to do for him when he turns 18. He will be dependent for life but we are hoping to buy a property with an annex for him so he has a little independence…
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Help me understand the timing of fund sales
Using interactive investor, I put in a sale request of VLS 80 at 2:44 pm on the 16th - last Friday. I know I had missed the cut-off for the Friday evening NAV, but I totally expected to get the Monday evening NAV. The sale just completed today and it has used Tuesday evening NAV although showing the date and time of the…
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Santander Easy Access Saver (Issue 1) Limited Edition up to 4.05%
At long last ...
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Passive investing advice needed - but not with HL!
I'm looking to invest roughly £100 pm in index funds for the long term. I have an ISA with some shares (AIM) with HL, but I don't want to invest in funds with them, as I'm sure I can find better elsewhere (especially after today's email). Just interested in who others use to invest? I haven't decided which funds I'm going…
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Move money from easy access ISA to Marcus 1 year fix at 4.55%?
I'm retired and most of my savings are in ISAs with not so good and likely to fall interest rates. I've always thought the ISA money is there till I need it but at this point does it make sense to lose it's tax free status and move some to make more in the Marcus? I do pay tax on my state pension because I didn't take it…
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SIPP or not
Dear Forum Friends, I wanted to pick your amazing brains. 1. Hitting 47 soon, if I open a SIPP when can I access the money 2. Which SIPP provider will you recommend? 3. If I pay sum I earn above £50k into a SIPP, will this mean I only bay 20% tax and in 10years access the amount saved, circa about 10k pa? 4. Is the age 55…
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Hargreaves Lansdown charts not working?
Hi, Is it just me? I've used both Chrome and Edge but a lot of the charts won't display, this has been happening for a few months now, I don't know if it's something my end or HL have changed something their end. Anyone else have this problem or is it just me? See example below:
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Short-term money market fund versus ETF
Looking to park around 200,000 for opportunistic trading, maybe 3 to 5 trades per month. If the platform fees are equal, do you think the slight leakage of an ETF in the bid/ask is less cost than the days out of the market using a fund. is it possible to model this using data over the last 12 months of say CSH2 vs Royal…
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Advice on financial advice!
Hi all So I am 42, with a mortgage, live alone, no kids, a secure job which has a good pension (relatively speaking), earning above average wage. But I am not in the higher tax bracket, I do not have a posh car or a huge amount of outgoings. I am increasing my mortgage so I could improve my home (kitchen and bathroom).. I…
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Trying to track down investments with Royal Life Fund Management Limited on behalf of my mother
Hi All, I am trying to help my mother track down investments that she has lost track of. These accounts will have been dormant for many, many years. It looks like she had holdings in: · Royal Life International Speculative Trust · Royal Life Cautionary Trust · Royal Life Growth Trust Companies House has Royal Life Fund…
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Hargreaves Lansdown New Fee Structure
Just had a "Our charges are changing" email from Hargreaves Lansdown. Changes kick in 1st March. Positives are: Management fee is dropping from 0.45% to 0.35% Trading Fees dropping from £11.95 to £6.95 Negatives: New charge of £1.95 to trade funds - was zero Cap on fees for shares up from £45 to £150. I'm going £105 worse…
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