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Best place to save
Which bank/building society is best for saving up to £500 pcm
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Trust options for minors
Hello everyone, My Mum is a having a deed of variation drawn up to divert funds she has received to those of an unsigned will of somebody, part of this is giving money to grandchildren, some of whom are under 18. So, thus involves the solicitor setting up three trusts, however, I want go know the options we have in setting…
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Three year fixed 1.05 - Oxbury Bank
Not one for me and certainly not recommending but heres the info I've just received. Looks like it would be close to the top of any non Sharia table. https://www.oxbury.com/product-summary-personal-3-year-bond-bap001
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Looking ahead to the future - what should I start considering?
Not sure if this is something I'm able to pick up the information elsewhere, but when it comes to money, I very much prefer it broken down into simple terms - so any help appreciated. Recently turned 32 and whilst I don't want to wish my life away, I do know that I'd like to start considering my finances for later in life…
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Predictions for capital gains tax at next budget
Not sure if this has been discussed, but hearing capital gains tax could be raised to 40% April onwards, but also reading articles people trying to put Sunak off doing this.Interested to hear predications by the people on MoneySavingExpert. Are we going to see a 40% CGT rise or do you think he will hold back whilst we are…
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Options and best place to buy gold if in UK
Hi guys Can anyone recommend a good place to invest in gold online if a UK resident? Thanks guys
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Is this classed as bed & breakfasting
6 months ago I bought a stock but it's currently in a normal investing account and not a S&S ISA as I already used up my £20k limit. Come the start of the next tax year I want to sell the shares and move the money to the ISA and rebuy the shares so they're now in the tax wrapper. however I've read something online I don't…
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S&S ISA from old ISA cash
Hi all, I already opened (and max out) my ISA allowance this year. I did opened a S&S ISA account this year. I have some old ISA cash that I would like to invest in the stock market. May I ask if I am allowed to open a S&S ISA account on a new platform and fund it using this old cash ISA? PS: The reason I want to fund…
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Online trading, broker or stock ISA?
Hi, I'm new in investment, I want to buy some shares but got confused by varies options available! Some apps offer no-fee transactions and you can buy and sell with 0% commision like Trading 212, eToro etc. Some of them charge you at least £3 for buying or selling like IG, Saxo, Fineco etc. Some people suggest opening an…
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Daughters inheritance
My daughter has been left £75k by her grandma. She is coming up to 18 and it is to be invested in trust for her until she is 21. Both myself and my husband are trustees. Just looking for some advice really as to where to invest this currently. We are not really experienced in financial matters and are just looking for some…
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Aphria stock anyone?
Wondering if anyone here holds Canadian cannabis stock Aphria. I bought it a few years ago and have watched in dismay as it plummeted. However, on the back of stronger than expected results, a forthcoming merger with Tilray and the growing likelihood of further legalisation in US that it can capitalise on, the stock has…
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S&S ISA - Diversify monthly amount (currently Vanguard Lifestyle 80% Equity)
Hi All, Currently investing £500 per month into Vanguard LS 80% Equity which is currently performing very well (worryingly so!) since I opened in Dec 2018. The plan is to increase my investments to £750 per month from June and then hopefully £1k per month from Jan 2022. 40 years old and looking for this to be a 20 year…
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SIPP providers allowing leveraged positions on cash stocks
I want to leverage my SIPP rather than holding cash stocks. I know it's risky, arguably foolish, but putting that aside with whom can I do this?I've done well on vaccine stocks (increasing my holding almost 3-fold) and have a better feel for trading biotech now. Before the vaccine landscape changes dramatically I want to…
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interactivehelp@ii.co.uk Inbox Full ?
I emailed ii on Wednesday using the contact us button on http://www.ii.co.uk/contact-us and I have received a an email saying not delivered quota exceeded. Have they changed email address? My email had some personal information could this information be access by someone else?
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Help with doing my crypto taxes in UK please
I have one little question when it comes to accounting for my taxes after selling off my investment (I guess this doesn't have to be crypto and could be many other assets). If I bought .25 bitcoin 3 times in 1 financial year and sold 0.25 of this at some point, do I have to account as if I sold the first 0.25btc or could I…
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Halifax Share Dealing Service
I've been buying a small amount of shares each month since the year dot, but now Halifax have emailed to say they're going to start charging me £30 a year for the privilege on top of their commission. This got me looking again at their Ts and Cs, and it appears my only two choices are to ask them to sell the shares and…
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Charges versus investment returns - is it that simple?
If charges for investment B are 1% higher than for investment A, would investment B simply need to deliver returns more than 1% higher than investment A to make more money if the amount invested was the same?
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Tracing Old Unit Trust - The Scottish National Trust PLC.
During my lockdown clear-out I’ve found a share certificate
for above Unit Trust dated1989. I'd
forgotten all about it. Gartmore was bought out by Henderson Global Investors and
then by Janus Henderson (JH) in 2011. I’ve been in touch with JH who have said that
they don't have details of individual investors and that it…
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stock market dabble
Hi Everyone ., whats the best (cheapest) online platform for trading shares? would it be an ISA? Wanted to setup a monthly Direct debit and buy bits here and there frequently , would it be Etoro? or best to be a member of a shares group where everyone buys in bulk at the same time to minimise buying fee's ? thoughts…
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Deposit Vs Investment via Shares and Stocks ISA
I have an S&S ISA. A couple of questions, please.1.If I deposit funds in the ISA account, do I need invest them for them to be accounted as ISA contribution. For example, I deposit 10K and only invest 5K, have I used 10K of my yearly allowance or 5K? 2. If I invest via ISA in the year 20/21 allowance and sell the stocks in…