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Raisen
Opened an instant access account via raisen, just tried to withdraw first amount and it says 2 days not really instant access then? I'm really not sure about this when I called them they said paragon wouldn't know who I was is it safe? What happens if something goes wrong with them I've put all my savings in there
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Bare trust for granddaughter for school fees
My mother (82) would like to put money in a bare trust savings account for my daughter's school fees for the next three years (from September - age 13-16) - about £45k (£15k pa) - I cannot be the sole trustee as I am on UC but another family member could be a trustee too - can anyone give any advice as to if this is…
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Charter rate drops?
I wasn't sure where to post this as it seems to span a range of popular products. Casually looking on Charter's web pages this morning, I could only see Notice Accounts on offer. No Easy Access, no Fixed Rate and no ISA's. Could this indicate a flurry of rate drops? Incidentally, when I logged on, I could see just one EA,…
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Listed vs unlisted stocks for probate
I think this forum will be better for this question given the context. I am currently filling out the IHT400 probate form for my deceased mum, it asks if she has any listed stocks and shares or unlisted stocks and shares and control holdings. I don't know what these mean and google is not helping. She had a S&S ISA, a…
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Section 899
What do you think will be the impact of Section 899 (of Trump's "Big, beautiful bill") which just passed US House vote ? https://www.gtlaw.com/en/insights/2025/5/section-899-proposed-legislation-would-increase-us-tax-rates-on-many-foreign-individuals-companies-and-governments Perplexity says…
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Risk level for Vanguard funds Vs ETFs
I've been investing in mutual funds for a few years and have just started looking at ETFs. There seems to be ETFs on vanguard that roughly match a fund equivalent, but I've noticed that the ETF is always a higher risk level by one number. For example VAGS global aggregate bond ETF compared to global bond index fund. The…
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Do Accumulation and Income ETFs pay the same tax in a GIA with dividends reinvested/withdrawn?
After all the recent tax changes (CGT, dividends, etc.), I am trying to understand if Acc and Inc pay the same tax in a GIA after a number of years with dividends reinvested. Currently (for my Vanguard acc fund in GB) I get a yearly CTC, double check no ERI, then copy the dividend figures for my self assessment. When I…
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Advice with First-Time Investing
First time investing solo. I already have some investments in an ISA but these are ones that my (wonderful) mum set up for me ages ago and I am only now starting to really look into my finances. She died recently so there is a lot to try to manage at the moment as well as starting uni. The ones I have there are all active…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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inheritance & new to investing
Hi, I have inherited around £120,000, i'll use 60000 to pay off the mortgage but want to also start a private pension as I dont currently have one. Im 53 and have done some initial research, im considering a vanguard fund as it will de risk as i get older. Im concerned about putting a large amount into the stock market at…
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St James’s Place and Financial Ombudsman Services
After waiting since the beginning of August 2024, minor parts of my complaint have been upheld with a derisory offer of £300, which the amount SJP say the FOS is likely to offer me. 1. What is the approx timescale for the FOS decisions and has anyone with first hand experience got any advice on taking SJP to FOS ( this is…
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Plum being scammy..?
I stupidly opened a Plum ISA for the high interest rate thinking I can move my ISA after 3 months however I have now read further and apparently they do not pay your interest at the start of each month but instead they pay it at the end of the following month and if you move your money your interest voids. Furthermore you…
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Royal Mail Stock Holding – What to Do?
Having just sorted the National Grid rights issue situation I
now find I’m getting correspondence on the IDS (Royal Mail) acquisition proposal. Has any ‘small holding’ (less than 250) shareholders got a view on the way
forward or will this get accepted/rejected irrespective of what the lesser
shareholders decide?
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Big Nationwide Thank You
Looks like Nationwide are giving millions of their members a £50 bonus next month. https://www.nationwidemediacentre.co.uk/news/nationwide-pays-over-gbp-600m-to-members-as-a-big-thank-you-following-virgin-money-deal Seems to be unrelated to the Fairer Share Payment.
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List of UK gilts sorted by YTM?
Is there a website with a list of UK gilts, that can be sorted by YTM or GRY (yield to maturity or gross redemption yield). I want to buy some but it would take too long to work out each individually. Maybe someone made a spreadsheet?
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West Brom Savings account
I've just opened a new savings account. And just discovered all I need to login is a/c no, DOB and a 4 digit pin number. This seems far too lax on security. I really don't want to invest now.
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Getting Dividends and selling shares of a US company
Hello all, I hope you can help, or point me in the right direction. I am a very inexperienced shareholder. I inherited shares in DS Smith, which has recently been bought out by International Paper, a US Company. DS Smith and my shares have now disappeared from my share listing, but International Paper has not appeared in…
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MPC Policy Inflation Calculator
Anybody ever tried using this? https://www.bankofengland.co.uk/monetary-policy/inflation/inflation-calculator Out of curiosity I just checked what I used to pay for Council tax, gas, electricity, water, BB, & mobile in 2013 vs today. Same house, same stuff (i.e. I don't now pay for a more fancy mobile service or whatever)…
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St James Place contact
Everything is in place to leave SJP. Hand delivered instruction to a main (not partner) office and spoke to staff. No funds received. No acknowledgement or response from that office, complaints department or chief executive. Any suggestions on next step?
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Tandem fixed saving account - when does the interest payment come through?
I had some money in a one year fixed saver account with Tandem. The fix has come to an end. They asked what I’d like to happen to the money, so I asked for it to be put into my standard Tandem account. It matured this morning but while the original amount has appeared in my account, there is no interest on top. Is this…
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