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The 30 day CGT rule
Please can I check I understand this. If I sell a fund and re-buy the same number of units within 30 days, for CGT purposes the two trades never happened. I don't declare it on self-assessment and the original base price is unaltered. If that is correct, then... if I sell a fund and incur a CGT liability, and within 30…
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Principality 6m Regular Saver matured but problems opening new one
Hi, please can someone advise? My 6 month regular saver with Principality matured on Saturday and in their letter they said I was entitled to an exclusive maturity account - another 6 month account at 8% (well, 7.85% but... you know.) When I tried to set my instruction for this to happen it said I was unable to, as I have…
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Submitting Self Assessment returns, interest over £10k
HMRC may be changing tack (for some) on the requirement to submit a Self Assessment return once interest exceeds £10k. This page (scroll to ‘If you go over your allowance’) now seems to have different arrangements for self-employed and PAYE employees/pensioners. Other gov.uk pages haven’t updated.…
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Bristol & West Liquidation Payments
I submitted Bank Details using their on-line 'registration process' but because of how HSBC name an executors account, the submission failed their a/c name matching process. A response was along time coming from Bristol & West, who asked for a copy of a bank statement. This was duly supplied, but, they chose not to process…
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Child Trust Fund for 12 year old
Hello. Our son who is 17 was given a Government trust fund payment that our daughter, who is 12, doesn't have. Would it be worth us opening a trust fund for her now, or have we "missed the boat", please? Our son's is with Columbia Threadneedle (previously F&C then BMO). Thank you.
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Capital Gains Tax - Selling ETFs
If I sell some ETFs and then use all of the funds from the sale to buy other ETFs am I liable for capital gains tax in the monies from the sale? TIA
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Tax code for interest
I do not have to submit a tax return. My tax code is adjusted by HMRC to deal with my taxable interest, which comes from a number of different sources. They simply announce the total amount, and I have not found any way online to explore the details, or request this information. I am not claiming any errors, but would be…
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HL issues anyone?
Is anyone experiencing issues with viewing fund fact sheet on Hargreaves says it not secure And the option on site , we're you can analyse portfolio. It doesn't seem to , it just keeps saying analysing I tried few different things no luck , wanted ask before I send them a message
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Spreading the risk: too much digital and in cash
Aside from my home (owned outright) pretty much all of my other assets are in the hands of building societies and banks (digital cash largely). I've been getting the jitters recently about digital 'armageddon' or the like, (I know, I know, I'm paranoid, but cut me some slack please) and have been thinking about what, more…
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Imminent life-changing inheritance. What to do first?
Hello, I am a long-time lurker but have not posted before .I have been looking through various threads so have a very basic outline, but I am looking for some advice on where to go, who to speak to etc., along with what immediate steps I should take. I will be receiving a life-changing inheritance very soon (£550k) on 3rd…
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NS&I ‘Pin Locked’ issue
I’ve been having some trouble getting into the NS&I website to withdraw money from Premium Bonds. They say that my PIN is locked for some reason (even though I have no record of having a PIN) and the website tells me to call a phone number: 08085 007 007. Is this a scam? Should I be concerned? The website appears to be…
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General Investment Account record keeping
Hi Each year I always max-out my ISAs, SIPP etc... A couple of years ago I started investing in passive index trackers funds in my General Investment Account (T212 and Vanguard platforms). I dont plan on selling anytime soon. I view these investments as long term holdings. I read that - for reporting tax etc - its far…
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Forgotten pin for Chip account
I normally access my Chip app account via the finger print option on my iPad. Today after a long time and timing out when logging in I now have to put in my PIN number. Foolishly I have no idea of where I noted the PIN number down and so have tried to use their “forgotten pin number” contact option. But all you get is an…
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Tax on savings
Hi, I'm a basic rate tax payer, I have an ISA and other savings. The interest on my other savings will be less than 1k. Am I ok in thinking I won't have tax to pay? I'm confused on the 0% Starting Rate for Savings and the Personal Savings Allowance
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Not Proceeding With IFA Advice?
I recently discussed retirement options with an IFA, AFH Wealth Management. While I got on with the adviser, I'm not overly impressed with the advice which, to summarise, was to transfer everything to them in a new SIPP with discretionary service of that SIPP bundled in. The reason for not being happy with the advice is…
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Avoiding paying tax on a gift.
My MIL has just gifted myself and my wife the best part of £200K. Apart from opening an isa now and after 06/04 and buying premium bonds of £50K is there anything else we can do to protect the money from tax?
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Equiniti Shareview
I have a number of certificated shares recorded with Equiniti Shareview. I want to convert these to digital, and then sell out some of the holdings. Can I use any trading service, and just sign up and send them my certificates and forms, or do I need to go only through Equiniti Shareview? EQ charge 1% to trade so the fees…
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85k Protection Limit
I have a Barclays Mortgage and savings providing interest relief on that mortgage amounting to just under 85k. I want to take out a Cash ISA with a non-Barclays ISA provider who state within their literature that they lodge the ISA monies with Barclays. Question: If the ISA monies are lodged with Barclays, by a…
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Valuation of asset from a past date
Hi, I need to value assets for a divorce, and as we are in Scotland, need to use a date from last year. Does anyone have experience of getting valuations of assets for a specific date in the past? I know I can do this for a DB pension, but will also need to value ISAs, bank accounts and DC pensions. If I have to work it…
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Best Instant access rate ATM
Hi I currently use Hargreaves Landsdown for my saving etc.... My current rate is starting to drop, so I am looking for something with a higher rate atm.... I have found this, just wondering if there is anything better than this about atm: GB Bank Protected up to £85,000. * AERAER (Annual Equivalent Rate) shows what the…
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