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Money Market Funds
I've read plenty on here, with L&G, Royal London and Fidelity all fairly well regarded. Is there any easy way to look up, or calculate, what the projected current yield is? Or perhaps the question is nonsensical ...? Thanks V
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Tandem Bank T&C's
I received an email this evening stating that they are changing their Terms & Conditions. 1..Account Closure, We've clarified when we might need to close your account right away. 2.Blocking or Freezing Your Account, We've clarified when we might need to immediately block or freeze your account. Is this the normal wording…
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Capital Gearing Trust
Today's finance news say CGT is "seeking approval from the Northern Irish courts to reclassify its share premium account as distributable reserves. Company has since 2015 operated a discount control policy aiming to keep its share price close to the underlying net asset value. Says reclassification will support the DCP's…
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Best easy access saver
I have £50k and need an easy access saver with best interest. I will need access with notice within a few weeks/months so don’t want to lock the money away and wish to make regular monthly savings. What’s best!!
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Best credit card
Best credit card now? Repayment in full every month. Currently I have m&s
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ISA fees
Hi all, I am thinking of investing in a Cash ISA with "MoneyBox" are there any fees.
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Limits on opening new ISAs?
I may be a tad confused but... I've got a fixed rate ISA maturing imminently and the rate will plummet. I opened a second fixed rate ISA in April 2023 which won't accept any more transfers in. Do I need to wait until April 2024 to open another ISA? Do I need some kind of holding account until then? I didn't use anywhere…
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Starting rate for savings
My wife earns £11000 per year. If she transfers her personal allowance to me would she still be eligible for the starting rate for savings (0%) on interest earned on her savings which would be approx £5000? Thanks Wayne
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Temporary lump sum saving from house sale
Hi all, After some advice from the more financially savvy or someone that has been in a similar position :) We are selling our house and will be moving to rented accommodation for approximately 12 months (this may turn out to be longer but not sure yet). From the house sale we will have roughly £80k-90k that we will put in…
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DIVERSIFICATION...?
Hi All, Still very new to the forum and the world of investing...outside of a basic cash isa that! So I've gone a little investment crazy the last fortnight and I've opened: SIPP - I own my own business so this seemed logical given I'm not paying much at all into my own workplace pension LISA - gutted I only just found out…
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Pension income plus savings
My NHS pension is above the tax threshold so I pay income tax on it. I have savings that no generate income of more than £1000pa, but less than £10,000. There seems to be confusion on here about the need to fill out a self assessment. Any more clarity would be gratefully received. Thanks all.
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Where/how to invest mums funds
My brother and I have LPoA on my mother’s NWB account. A recent decision to liquidate an investment plan that was in place now means she has £80k+ in her savings account earning less than 2% Theres a further £5k in the current account. Tried to top up her Premium Bonds to the max to utilise £39k (she likes Ernie) but NWB…
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Spreads on All-World ETFs
I've been comparing accumulating all world ETFs to decide which to invest in. There are only six options according to Just ETF (https://www.justetf.com/uk/how-to/invest-worldwide.html). I'm trying to minimise costs which restricts me to ETFs because of my broker pricing otherwise I'd not hesitate to invest in HSBC FTSE…
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Tax Free Allowances
Hello, could someone please advise. If I receive £7k pension as my only income, can my remaining personal allowance be combined with my £6k savings allowance to increase the amount I am able to earn tax free on my savings? Any advice would be much appreciated. Thank you.
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Gilt Coupons - Always the same?
Guys, I'm aware of the coupons paid on gilts, how frequent they are, and the size of them. I just want to make sure I fully understand how purchase timing may impact this. So right now we're pretty close to the coupon date for lots of gilts - eg TN25, TN28 etc.. As I see it there's if you purchased today, you receive the…
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how long to transfer shares
I know this is a bit like "how long is a piece of string" type question but I'll ask anyway. So 2 weeks back (3rd Jan) I went online to the account where my employment shares are being held and requested that they be transferred to my investment account. When I had asked the investment account they were very familiar with…
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Calculating Interest on accounts - more sophisticated/easy?
Hey guys, I'm trying to generate two figures - current interest earnt, and predicted interest at the end of the tax year. In the case of many accounts this is pretty easy - monthly interest, see what you've had so far, work out the dates of payments and see if you have two or three left this tax year, add on etc. Some…
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Does this apply to me?
Hi, can someone help me on this declaration on the last part of the tax return. I didn't receive any coronavirus payments for the period of this tax return during self employment. It states... I declare
that I have included all coronavirus support payments that I have received
(such as Coronavirus Job Retention Scheme) as…
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Funding circle
Anyone else having trouble closing accounts for deceased family members? We’ve been trying for 2 years and unable to get anywhere through complaints process
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Savings accounts for non UK residents
are there any Savings accounts out there (Easy access /notice) for EU residents other than Skipton International? Just looking to diversify but not found any equivalent to Skpt Int yet (there are some but request huge sums as an inital deposit). TIA!