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NS&I Green Bond
Hello, I have a 3 year Guaranteed Growth bond maturing in early April. It isn't a very large amount as the interest rate on this bond was rubbish 3 years ago. The NS&I web site are offering a new Green Bond @4.20% which this old money will automatically roll over into if I don't tell them to do anything different with it…
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NuWealth GB Bank Bondsmith Savings Ltd :-0
Hi. Does (or has) anyone here use (used) an App called NuWealth? Since my easy access saver cut the rate at the end of the year to 4.40% I was looking around to see if there were any that were 'significantly' better and found one at GB bank that offers a top up via NuWealth App which pulls it up to…
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Another Newbie ETF question.
Hello all, As im trying to educate myself further, I have another question. https://stockanalysis.com/etf/jepq/ is listed here @ $56.30 however if I look on my Trading 212 account its listed @ $25.72. The name is the same and the ticker code & the ISIN number, but the price is differnet. Could some explain what the…
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Basic question re CGT declaring a loss
In tax year 2023-2024 I traded a bit in GIAs. On one account I made a circa £700 capital loss trading an ETC (sold the lot at a loss late 2023). On the other account I made a circa £700 capital gain trading a few individual shares (also sold the lot late 2023) My question is, do these two transactions cancel each other out…
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NSI Growth Bonds...maturing
We, like I assume many on here have NSI Growth Bonds about to mature... The lower renewal interest of 5.15% seems OK for a further year, for a no hassle, risk free savings account. Is there any reason not to click and continue...? (Could NSI reduce/stop this renewal rate, as they did with last years 6.2% offering when they…
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CHIP Savings - beware!
My husband and I hold savings accounts with CHIP. We also each have CHIP Prize Savings accounts. My husband recently won 2 x £10 prizes - woo hoo! BUT CHIP took one of the £10 prize money back a few days later, without telling my husband; no email, no telephone call. It was only when my husband emailed them that they said…
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Saffron Issues
Thought it might be a New Year's Day thing but I still can't withdraw my monthly 4p of interest to my nominated account, app says it can't get my payees list up. Been to website, there's a message saying Important MessagesWe are sorry that some customers are experiencing difficulties when attempting to transact on their…
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£450k investment
Hi all, I have £450k to invest for an income and am not sure whether to purchase a buy to let property or put the money in something like an NS&I Bond. What are people thoughts? Thanks
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Tax allowances on savings
I have never been able to fathom why the Personal Savings Allowance is not shown in the letter we receive to show the calculation of our tax code. Can someone explain?
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sipp performance
after best art of a year my sipp has returned 3.05% (2 hsbc global strategy funds) as a new investor I wondered how this compares to other peoples returns this year i have around 15 years till retirement and left it late to start, are people concerned about world events / trump and is this affecting anyones decision making…
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What3Words Investment
Hi, is it worth investing in What3Words? I can find little or no data about possible returns! Any advice appreciated.
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US fund "ideas"
I think 'ideas' must be my least favourite word in the investing lexicogaphy, and I pay scant attention to their relentless churn on the platforms' sites. But HL today said "There are good reasons to believe that the impact (of Trump's victory) on the US stock market could be positive, and particularly so for smaller…
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Bond funds - short term
I have held the Vanguard Bond fund VGOV for many years as the counterbalance to my equity holding. Of course the price of this took a big hit in 2022 but the yield is now a respectable 4.15%. I note its effective duration is 9.34 years Even so, now in retirement I'd like to add less volatile funds and bonds to deliver…
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What to do with £500 per month?
As the title says ... Are there any particularly wise places to put this cash? I have a few ISAs though nothing from this financial year so I could add £2k plus a bit before April and thereafter in the next financial year. My risk profile is about 6 for my pension pot so are S&S ISA worth a look? I would be looking at…
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Unexpected £20k gift. What would you do?
Hi, I just received a very unexpected £20k gift from a relative, and I'm trying to get my thoughts in order on what I should do with it. Bit of backstory, I have no debts - other than a £1,500 overdraft which I've just cleared with this payment - but I also do not have any savings (I did have, but they funded two stints of…
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Keep money in L&G Equity Index Tracker Fund?
Hi all, Just after some advice regarding money that I currently have in a L&G Equity Index Tracker Fund. When I was a child my parents successfully won a case against the local authority for an accident I had at school and was given compensation which I could access when I was 18. Fast forward to my 18th and the money was…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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virgin e isa issue 654
Could somebody please clarify some terms of this isa Virgin summary isn't very clear I would like to transfer an isa from another provider and have interest monthly instead of annually. 1.Will the interest show monthly to the account and compound ie show as added to the principal sum. 2. If the interest is paid monthly can…
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AER Confusion
Hi all, a question... If you had £50k invested in a fixed term 18 month savings account advertising 6% AER how much approximate interest would you expect to receive on maturity? £3,000 or £4,500
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Interest rates if we have inflation and recession
Interest rates go up to control inflation and down to stimulate a sluggish economy/recession if I understand correctly. Currently inflation is not fully under control and large public sector pay rises are said to likely worsen the scenario, however there is also a lot of talk of poor sales and a possible looming recession.…
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