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Advice on fund
Can I get some advice on this please how does it compare to short term money markets & funds like VLS80 in terms of risk and returns outlook . Does investing large one off amount in it now pose any additional risks INVESCO BOND INCOME PLUS LIMITED (BIPS)
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HSBC and First Direct Regular Savers - Closing statements and annual interest statements?
Just wondered - as per title really. Does anyone else have issues with receiving closing statements from HSBC / FD once their regular saver matures? I think FD sometimes send hard copy statements via post but I don't recall a HSBC account statement which has recently matured? From memory, I don't ever recall electronic…
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Confused about NS&I login process using a mobile
Hello all,I'm aware that various posters have had issues with two-factor authorisation when logging into NS&I with their mobiles as the hash key doesn't seem to work for some people. Consequently to be on the safe side I've always just kept my BT landline details on there, which has always worked for me with my laptop…
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SmartSave removing their "only one account at a time" restriction in rebrand to Chetwood
'SmartSave' is (and always has been, as far as I can tell) a brand of Chetwood Bank. They've now decided to brand it all as 'Chetwood', and in doing so, are getting rid of their odd "only one SmartSave account at a time" restriction. From an email: "As a SmartSave customer you could only have one Fixed Rate Saver account…
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Interest rate effect on stocks and shares.
Hello everybody, first time poster. I have just opened a stocks and shares isa with Santander, more for the Top Cashback offer to start with. Looking ahead at possibly investing a higher proportion of my money as opposed to saving do interest rates have much effect on stocks/shares?
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Where to put large deposit while I look for a house?
Hi all I have recently got divorced and my ex has bought me out of our house. This means I am about to receive £250k. I've started looking for a house for myself but I've got other things going on in life so I'm not really in a big rush. My question is, where can I put this money to get the best return whilst ensuring it…
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TrinityBridge (formerly Close Brothers) is closing its Self-Direct Service
I have a fund "J HENDERSON GLOBAL SELECT" held with TrinityBridge for many years (I think it's a unit trust). I recently got a notice from TrinityBridge that they are closing the service and ask me to either transfer it to somewhere (they mentioned ii) or sell it. I'm an investment dummy and inactive "investor". I do not…
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Darlington BS massively overpays annual interest
Darlington Building Society pays interest annually on 31st December, even for its regular monthly saver accounts. You don't need a calculator to notice that my own account, only opened in October, shows an inordinate amount of interest paid yesterday (should be less than £8). There are numerous reports of this happening…
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Nationwide e-savings
I recently moved £1k to my Nationwide e-savings account, thinking it would be a higher interest rate.But I have just looked, and e-savings = 1.1% whilst the normal flex account is 2.5%Is this just deliberate to catch people out?In case of fraud etc, you wouldn't keep excessive amounts in your ordinary account
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Fixed term Savings for Terminally Ill
Hi. Aged 85 Ive been warned by Gp of terminal illness. However he said I could live for UP to two years I'm gathering my assets together to make estate settlement easier However there doesnt seem to be a 1 year fixed term plan which will not be penalized for "early exit" any advice welcome Thanks
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Savings / investment re cash inheritance
Hi all I have inherited a cash sum of around 100K following the death of my father. I am wondering what best to do with this in terms of savings / investments. Seems like it would be prudent to put 20K in a Cash ISA - which ones might be best? And other possibilities which you may have found beneficial? My mum was a big…
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Advised to put savings in an isa
My IFA has advised me to put some current savings that are in a bank account into an instant access isa. I tried my starling account but they are only just rolling theirs out and I’m not eligible yet . Trying to keep things simple. What should do now to find a suitable one. Tia
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AJ Bell fund deal charges
I'm sure I read over Christmas that AJ Bell are going to remove the £1.50 fund dealing charge in the spring. Now I can't find anything online about it. Has anyone seen anything to that effect? As a regular investor, that would suddenly make AJ Bell much more attractive.
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Santander Fixed Term Saver Interest
Fixed Term Saver I opened a 1 Year Fixed Saver with Annual Interest in December. The account paid a small amount of interest on the 1st January this year and will pay the rest on Maturity in January 2027. I'm unsure if this interest paid in January this year falls into this tax year or next tax year with the maturity…
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Student loan
I have £3,355 left on my Plan 1 loan and £12,263 left on my Plan 2 loan. The government website claims both loans are at an interest rate of 3.2%, although this seems strange to me as it also states that interest for Plan 2 loans is "3.2%, plus up to 3%" for my pay band (however it does not state what this 'plus up to 3%'…
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FTSE100 best single year return since 2009.
21.5% return not including dividends, fuelled mostly by defence, banks and mining companies. I honestly didn't think I'd ever see the FTSE100 perform this well ever again, needless to say this is obviously an outlier year, a one off fluke, but perhaps the FTSE100 might regain some lost ground over the coming years I dunno.
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6mth Principality Regular Saver, maturity process tips please
HiI have my first 6mth Principality RS account maturing later this month and not sure of the best way to proceed going forward.(I have searched numerous threads first, apart from the RS discussion board which is too huge to scroll through and hasn't come up with suitable answers in my search).I have now got the option…
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Original Book Cost of SIP Shares After Redundancy
I was in a 'share match' scheme with my company for 20 years before being made redundant on 30/11/25. I was designated a 'good leaver' and all the more recent taxable and locked shares were opened to me as tax free, along with any normal tax free shares sitting in the plan. I decided to transfer all of these shares from…
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Santander savings and investment
Hi, I'v been talking to a Santander financial advisor, we are looking at investing over a seven year period with moderate risk. However I'm a bit concerned about the fees involved. If we go ahead it will be £2,000 for putting everything in place then £450 every six months over the course of the investments, which seems a…
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How to establish share cost for CGT purposes?
This may appear complex, hence the request for guidance. I acquired some shares in 1999 as part of an acquisition of
part of a company I held shares in (The value of my original holding was
obviously devalued at the time). I am now looking to sell the acquired shares, however, I’m
unsure as to what share price can now be…
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