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🤔 Financial Planner or No Financial Planner? 🤔
Hello All 👋 I recently met with a financial planner after only ever saving in standard current/reward accounts in my life (I’m in my early 30’s. They offered a 3% fee on investments. I’m currently saving around £2000 per month and have savings of about £150,000 that I want to do more with. I do need to spend about £70k of…
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best trust fund that allows transfer of ownership
Hi I'm after some advice, I've been tasked with setting up a child trust fund as my role as an executor for a deceased family member. my instructions are to set up the fund and deposit the inheritance. after that, I would like to transfer the ownership of the fund to the child's mother. I'm unable to just give the mother…
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Declare Dividend?
Hi, My wife currently earns around £9000 and will receive dividends of around £2500 next year, making a total income of around £11500. The dividends are above the dividend allowance but the total income is below the personal allowance. Will she need to declare the dividend income to HMRC? Thanks for your time.
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S&S isa options - money out and into new account?
Hi all, I've had a vanguard S&S isa for 4 years This year I've put in 3k into it I believe I can open a new s&s ISA (because I haven't opened up one this year) but I can't put money into it until April I am wondering if there is any wiggle room.. if say I took the 3k I put into my vanguard this year out, that counts as no…
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Time to cash in our private pensions?
Good evening & happy New Year to all! I have a private pension with AFH wealth management of £148k, my wifes is worth around £25k. We have another property(no mortgage) that we let. We have savings accounts with around £15k. We are retired aged 71 & 69 with reasonably good health, no mortgage or money owed, no dependants.…
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Post office growth bond
If anybody is thinking of applying just add freepost to the addresd
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YBS login issues anyone?
Don’t appear
to be able to log into YBS this morning, have attempted online and via app.
Anyone else having issues?
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NS&I 4.00% Guaranteed Growth Bond and 3.97% Guaranteed Income Bond
National Savings has just launched a one year fixed growth bond paying 4% and monthly income bond 3.97% (AER)Might be of interest to somehttps://www.nsandi.com/guaranteed-returns
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Personal injury trust bank
Hi, I hope that I'm putting this in the right part of the forum. This is a question on behalf of my sister. She was recently awarded a sum from a medical negligence claim and was told that she should open a personal injury trust to protect her disability benefits (a disability that is a result of the medical…
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YBS Fixed Rate ISA gotcha
tl;dr - I can no longer deposit into my ISA after only having it a month or so, and I should have read the ts and cs. This is just a warning to anyone looking at YBS fixed rate isa's. I took one out in November and then set up a standing order to pay a monthly sum. This was fine for December but in January my payment got…
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Premium Bonds and the post office Horizon scandle
Does any have any views on how the worsening corruption of the post office will affect the safety of premium Bonds. should I take the out asap before the the full extent of the corruption, lies and deception is revealed?
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Bond Maturity Dates ?
Hi, I am 64 years old, had to retire early. I have an AJ Bell Sipp Portfolio. The Portfolio is a little light on Bond Funds, so I am looking at increasing the bond allocation by investing in a bond fund. I want something like a Vanguard tracker which is passive. I already have VLS 80 Due to my age. I wish to dip onto the…
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Premium bond results - Query on bond distribution
I've read that approx 50% of big wins go to those with maximum 50k holdings. does anyone know if this is 1 holding of 50k, or many smaller holdings totalling 50k?
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Legal & General Shares
Hi All Any opinions of L/G shares, they give a great % dividend so do many feel they are "as safe as houses" as far as one can say about any share. I do prefer to leave them there for the income i get, just need some reassurance?
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Investec - Online Flexi Saver Account - Legit?
Hi all, I'm trying to do some due diligence on a Savings Account from Investec. Specifically the "Online Flexi Saver", which can be found here: https://savings.investec.com/online-flexi-saver I've had the account for a few months, but was recently checking it out on the Financial Conduct Authority register…
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Saffron BS login issues
Anyone else getting the following message from the PC login? Sorry Oops! Something went wrong. We’ve been unable to process your request
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Which share dealing service for paper shares?
My parents have quite a few paper share certificates - not major amounts - few hundred pounds worth each, but they want to sell some now. They went to their bank but they were charging something like £100 to sell shares probably worth a few hundred. Can anyone recommend an online service where they can send in their share…
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Issue with AJ Bell Cash Savings Hub
I took out a fixed duration savings account via AJ Bell very early last year which has now matured. However it has gone a few days past the 'up to 4 days' after which they say the money plus interest should have been returned to my transaction account. AJB say they've raised an issue with Raisin their partner but I'm a…
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Getting decent interest on foreign currency savings
I have some dollars in a foreign bank dollar account (I lived outside the UK for a while), and I want to move them to the UK but keep them as dollars for a currency hedge. I see that there are plenty of Sterling savings accounts offering over 5%, but haven't seen anything close for foreign currency accounts. Any ideas?…
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Starting another Pension after early Retirement and tax .
With the government removing the upper limits on pension savings (previously 1.25m) and with the cost of living I am thinking about a part time job after taking early retirement (12 months ago). To be tax efficient it seems to make sense to start a new pension/avc from pre tax wages . I think the pension I have taken is…