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Proceeds from house sale
I'm just completing on the sale of a house. I am moving into the other house I own which I have been renting out, this house has £140000 mortgage on it. I will clear 240000 on the sale. This might be a stupid question but should I pay the mortgage off? Or would the interest I'd get off set the mortgage. Either way any…
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Interactive Investor free monthly contributions: which ETFs?
ii says (I'm new here so I can't post links yet but search for interactive investor regular investing and you'll find the page - it seems to cover all their account types but I'm mostly interested in their SIPP): Great, which funds and ETFs? The website (same page) says: Is that a sneaky way to say "you can only do the…
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SJP WILL NOT CLOSE INVESTMENT ACCOUNT PROPERTY FUND AMOUNTS WITHHELD
We moved all of our investments [ISA's, Tessa's etc] to SJF approx 5 years ago. Husband diagnosed with Blood Cancer so refused face to face review after Covid. Phoned SJP & said how could we have been reviewed when husband is 83 & I am 77 & no one considers this questionable to have large [for us] investment still & no…
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Lump Sum Investment Options
Hi Advice on investing lump sum from sale of property in return for monthly income whilst looking for another property? Thanks
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Tax on Savings
I gained £860 interest from a savings account - from opening in September 2023 to closing on 1 December 2024. Will this amount be split between both tax years or deemed entirely as earned in 2024-25? (I have interest from another account that will knock me over the £1,000 limit for tax.)
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Limited Company - LISA/Pension
Hi Im self employed via my own limited company Im able to save around £900-£1000 pm, and at the moment split between maxing Lisa and employers pension contributions Just wondering peoples thoughts on this; carry on or just pay into pension, I get corporation tax relief on this, but also 25% on Lisa - it also isn't taxed as…
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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Stolen Inheritance
My grandmother passed away recently and we were surprised to find she had changed her will just before she died cutting my Aunty and her family out of it completely and applied to have my dad (her only other child) as her Power of Attorney. Nan was very well off but she left nothing. It transpired my Aunty was originally…
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Polish share dealing platform
Hi, I am wanting to buy shares in some Polish companies, but I cannot find a share dealing platform that trades with the Warsaw stock exchange. Does anyone know a platform that offer this service?
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Employer investment private equity
I invested a small amount in my employer a few years ago and the money was split into 5 separate investment entities. The business was sold last year and I received a return on 3 of these entities and got the monies physically back, for the other 2 entities the shares in them were reinvested again by way of conservation…
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Chip Wealth Score now in app
Chip has launched a new Wealth Score, massive waste of internal resources imho. if Chip is so worried about building wealth, just give us a better return as existing customers on our savings so we can actually better build our wealth. My score is 333, no email received yet. @flaneurs_lobster
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Investing £100k tax efficiently
Hi all I'm due to inherit some money. At 48 I'm not as carefree with money as I used to be, but I've 18 years left on our mortgage, and I've not paid as much into my pension over the years as I could have. I want to invest this inheritance for 20 years and forget about it. What is the most tax efficient way of doing this?…
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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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CGT on shares.
So I'm having a little trouble working out profits on shares I've sold from 2 companies. The original purchase date was back in the 90s for one. Over the years the shares have changed so the original 200 shares turned into 126. I think they were reissued for whatever reason But how do I work out what price I got them for?…
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Coventry BS 5/6/8 Access Saver
Just opened the Coventry BS app up and it lists a 5 Access Saver Online Monthly, I'm trying to work out what the account was before, any ideas?🤔 Could it be a Triple Access account? 🤔, that's the only thing I can think of, website doesn't seem to help on closed accounts page just says simplifying savings programme, account…
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Money Market funds - Risks
Hello, In the recent times some of the money market funds attracted significant inflows. See,- Royal London Short Term Money Market Y Acc- Lyxor Smart Overnight Return - UCITS ETF C-GBP With billions of assets under management what risks can arise? I do realise money market funds carry the lowest risk but is not risk free.…
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Can customers influence how companies handle their complaints?
Hi All, Recently I had to raise several complaints with my 2 financial brokers. Things like delayed ISA transfers, errors during transfers, violations of special offers' T&Cs etc. Each have their own way of handling complaints but they all make it hard to make a complaint and keep track of it. Here's some examples. 1. One…
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Are there any regions that aren't doom-laden investments?
While musing a reply to another thread, I was thinking about regional investments, but it seems like just about every major region has a good reason not to invest currently: US - very high valuationsJapan - susceptible to china woes, governance, tariff vulnerability?Europe - geo-political turmoil, tariff vulnerabilityUK -…
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Sons inheritance where best to earn money
Hi my son received £25,000 from my mother when she died nearly 7 years ago I put in an investment account it is now £26418 (it did go to £30,000 and dropped to £22,000 at one stage) which I feel is quite poor return. As he is nearly 17 I wanted to put in a more secure location ready for him to use for a deposit on a house…
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Selling shares and capital gains tax
Hi to anyone reading this and thank you for taking the time to do so. I'm after some guidance regarding my holding of certificated shares that I would now like to sell. The shares have been acquired over the last fifteen years or so through transfers, purchases and dividend reinvesting. For this reason I do not have the…
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