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Quality Value ETF
Having been with Fundsmith since I started DIYing in 2017, I’m
losing patience. I still think quality is worth holding, but with markets now less
predictable than the one way street largely powered by QE, Fundsmith's concentrated do-nothing
style feels a little less appropriate. Fundsmith (the Stewardship/Sustainable…
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HMRC say I’ve received £15,301 in untaxed interest on savings in 2024/5
HMRC say I’ve received £15,301 in untaxed interest on savings in 2024/5. This is incorrect, the actual figure being approximately £5,357. I’m retired (previously PAYE) & they intend to recover what they claim is owed by changing the tax code on my company pension. I’ve spent hours fruitlessly trying to find a way to…
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Is This a Good Investment Strategy?
Hi, Have been getting really into the weeds and I just need to get started. Is the below an okay investment strategy? Weight Role Ticker ISIN Code TER 80% Developed World WRDA IE00BD4TXV59 0.06% 10% Emerging Markets EIMI IE00BKM4GZ66 0.18% 10% Global Small Cap WSML IE00BF4RFH31 0.35% According to my research, the FTSE…
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Haven't had my royal mail shares payed into bank after sell off.
Hi everyone….. I've not been in country working....I totally forgot about my royal mail shares. Since the company was bought by Křetínský..…Those that didn't reply ( including me) does anyone know who I contact to get it back...Many thanks 😃
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Taxation of Investment Platform Transfer Bonuses
Bonuses for switching bank accounts appear to be tax free, but I have not been able to find an authoritative statement for the taxation of investment platform account transfer bonuses. Does anyone have a link?
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Incoherent responses from Hargreaves lansdown re monthly investing
as a family of 6 we have a number of accounts with HL me a Lisa My partner a Lisa and sipp My 19 yr old son a Lisa a sipp a s&s isa and a cash isa 17 yr old , 8 year old and 7 year old each have sipps we were using hl for all this as they were one of the few to offer S&S Lisa’s at the time and we bundled the kids and other…
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Transferring Shares to my Spouse
It seems sensible to transfer some of my shares to my spouse so we can sell them and each receive our own CGT allowance. My question is about how to transfer them. They are current held by Morgan Stanley in the US, they trade on the NYSE. Do I need to actually need to 'transfer' the shares anywhere or can I just document…
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Union Bank of India
This bank is in the top list of 12 months bond on the savings site. Anyone had an account with this bank before and can comment on your experience with them? I am thinking of opening a 12 months bond with them.
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to max or not?
Currently hold £40k in PB. Returns in the last 12 months have been around 2.5% equiv (tax-free, I realise). Maxed out ISA for the year, what are your feelings on adding more to PB to the max investment - those with the maximum have a greater chance of a win? How best to roll the dice!?
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HMRC and Tax Codes
Hi, my estimated interest for April 2026 - April 2027 outside of my ISA's will be less than £1000 a year. However HMRC have my tax code for 2026 - 2027 as 1207L and deductions as £500? This was because I told them that my interest for 2025 - 2026 would be about £1500. Where do I update this via my HMRC account please?…
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Abbey Wealth - whats happenjng
I have been with Abbey Wealth for a while now and getting no luck contacting them or getting hold of my advisor. Anyone else having any issues?
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Capital gain tax for foreign currency on (non-tax-sheltered) brokerage account
Some of the brokerage account can hold foreign currencies directly but I wasn't sure how should the tax be treated if it's non-tax-sheltered. I want to hold some dollars to buy and sell securities, and I don't convert the dollar back to pounds in between different transactions, as I plan to continue to invest on dollar…
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Close Brothers 12 month bond coming to maturity
Anyone had a 12 month bond with Close Brother before? I have one that is maturing on 4 December this year, that is in 12 days' time but I haven't heard from them to notify me that the bond is maturing and giving me options on what to do with the proceeds. Should I have heard something by now?
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The Faster Payments Cut Off Times List
Welcome to this thread. The purpose of this thread
is to provide a regularly updated list of the cut off times for faster payments
made into the savings accounts offered by various banks and building societies
to begin earning interest the same day. Given the sheer number of banks/building societies
there's bound to be…
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Cash-in Pru/M&G New World Life Investment Bond
My wife paid 100 pounds per month into this bond from 1999 until 2022. So total invested is 27600. Its value is now 54800. Its an onshore bond. Her total yearly income is quite small; less than the personal allowance so she pays no income tax. She is resident in Scotland. If she cashes in and withdraws the full amount in…
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Calculating PSA
Hi, Is there a template for working out your PSA please? Does it include PIP benefit? I work part time, and want to work out if I will be going over with my savings interest.
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S975 Certificate - Wrong figure quoted for Gross Interest
I recently requested from NW an S975 (2023-24) for a loyalty
savings account that I have held with them for a number of years. This arrived in good time but the Gross
Interest figure quoted was exactly double that which NW paid into the account
in December 2023. No other interest was
credited to this account during the tax…
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ii SIPP Portfolio X-ray - Management Fee?
I've recently transferred an old pension into a SIPP in ii, and have generally been having a good experience with setting it up, investing in a few mainstream funds, and the low fees. Just one thing that puzzles me. The Portfolio X-ray feature is excellent for breaking down equity distribution etc. But in its "fees"…
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SVS Securities - shut down?
I tried to access my account this morning and it just times out (eventually). There are some rumours online that it shut down yesterday, but it's not exactly plastered all over the place, and I've never heard of the sites carrying the rumours (so no idea how reliable they are).…
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Selling Property in UK
I am selling my home in April and not sure when or where I will buy again. Where should I keep the money in the meantime? Are there things I need to know?
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