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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Tembo Issue
I wanted to take advantage of my 24/25 ISA allowance and decided to create an account with Tembo. Downloaded their app to my phone, synchronised it with my online bank and used the app credit the account with £100. All good. So, on the 1st of April, I moved a large chunk of money from my savings into my current account.…
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Tax query
Hi, I am looking for some advice/suggesstions or knowledge on the rules. I’m self employed and have investment income (which I don’t use to live on)- I’m in the 20% tax bracket with both incomes combined. However, I just sold my property and will be getting interest on that capital for the next however long until I find a…
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US possible recession
With all the talk of the US economy likely/possibly/probably entering recession due to the policies being pursued by the current administration, should we be worried about holding US equities? Is a downturn likely? Probably a simplistic question. Can we avoid anti-you-know-who comments as it's boring. The US electorate…
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Gold
Just read Gold at an all time high . Can I invest in gold and get a monthly income ? Say investment of £140k is this possible and how to go about it . thanks
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Advice on savings/investments
Hello all, I am looking for some tips on how I can invest or save money that will give me the best returns. We currently have £175k in our current account with a few ISA’s as well that we top up with the tax free allowance every year. I have been thinking about putting the money into a private pension pot but don’t really…
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Transferring Vanguard S&S ISA to cash ISA
I currently have a Vanguard stocks and shares ISA which I'm planning to sell and move the funds into a cash ISA (basically because I'm planning to buy a house this year). I set up a cash ISA with Zopa, but it's not possible to transfer from Vanguard to Zopa. I'm worried that if I withdraw from my Vanguard ISA as cash to my…
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Premium bonds?
Hi All, I saw a tweet about premium bonds, and I have done some research but am still unsure if it's worth the gamble. I currently have money in ISA funds and cash savings earning 3.75% and 4.4%, respectively. I'm considering putting £50,000 in premium bonds, but I'm unsure if I will be entered into the draw starting from…
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Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
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Chetwood Bank reliability
I am ready to invest a 5 figure sum in fixed savings account with Chetwood but seen in a dreview that they do not issue Tax Statements of interest which is unusual. Any one have an opinion as to why this should be so?
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Impact on GILTS in the event of IMF Bailout
I've been thinking a lot recently about the "what ifs" in the UK economy, particularly with all the talk about our national debt and the potential for a crisis. It's a topic that's been mentioned in the news and by some economists, even if others are quick to dismiss it as "hysteria." My main concern is what would happen…
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FSCS Deposit Protection Limit - Is It Increasing from £85k on Dec 1st ?
Back in Mar iirc the PRA announced a plan to seek permission to increase FSCS limit from £85k to £110k - and some media muddied the water by iirc using a lowerr £100K figure. Has there been any official treasury or govt statement that this will be going ahead ?
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Anyone else have issues with NS&I BROWSER login?
I suppose it wont be an issue after this month when the Halifax £5 stops but I'll ask anyway. Often when I go to log in to do the £500 transaction I put in my details - customer number, password, name, hit login, it goes to authenticate and then i takes me back to the login page so that i have to enter all the info I've…
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What's happening at Invest Engine?
I have a stocks & shares ISA with InvestEngine but have been trying to open a GIA since March. From what I can see they have been "making improvements to their onboarding process" for most of the year. Despite advertising to the contrary, they are only offering ISA's, SIPPs or DIY portfolios - no managed portfolios of any…
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Tembo ISAs Online Transferring out problems
Hi Guys! Has anyone managed to online transfer an ISA out of Tembo to a stand alone bank? I have failed to find a a provider amongst several that I have tried. They do not list Tembo (or Nude that they were previously known as) as a possible new provider. Tembo customer service is pathetic and have failed to help me with…
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ICI Shares from my childhood
Hi! I know this probably sounds really weird, but when I was 3 years old, I was brought some shares in Imperial Chemical Industries PLC. I have the certificate and everything. I just found them today. I have done some digging and understand that the company merged with another one back in 2008. I was just curious and very…
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Cynergy Bank Marketing affilation link. Wrong account was opened
Hi I was wondering if anyone could point me in the right direction. I emailed MSE 3 weeks ago, but no response. Tried another email, but not getting anywhere I used a marketing affiliation link, from my account on 14/03/2020 for Cynergy Bank, which, to be honest, is awful. I couldn't get into it, as was described here…
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Advice on how to get the best returns from regular saving pot
Hi, my husband and I are trying to save >£20,000 over the next 12 months. We currently have a 'pot' of £8000 which is sitting in an easy access monzo account with an interest rate of 3%. We are saving regularly £800 per month. There will be additional contributions throughout the year when we are able to do extra locum…
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Where is best to invest £160k
We are currently in our early 50's and have no mortgage on our house and have £160k at hand to invest and i'm wondering what the best options are currently to make this work for us.
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Income and capital movement on corporate bond funds
I’d like to
check my understanding about income and capital gain on corporate bond funds. These charts
for Man Sterling Corporate Bond Fund show both Income and Acc versions. On the
first chart, set to Total Return, does the sum of the twelve red blips* – about 0.5%
each – represent the distributed monthly income based on…
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