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Lowest cost / best investment platform for large investments (£2m+)
Hi, I'm thinking about moving away from Chares Stanley Direct to another platform, but they mostly seem to have complex fee structures that makes like for like comparisons tricky. What platforms do others use? Has anyone else done (or tried to do) accurate cost comparisons?
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What are your annual costs?
Just seen someone in another thread claiming that costs of 1.78% per annum from St James Place are somehow reasonable. Personally, I think that is nonsense and would consider such levels verging on exploitative. But that does beg the question: what is reasonable? How much do typical people actually pay? I just calculated…
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1 YR Savings Bond
Hello All, I've a 1 yr bond with Close Bros due to mature next Spring. I'm a little concerned that this lender seems to be suffering following the car finance "scandal'. My bond was clearly taken out when the bank guarantee limit was £400,000, ie. before the reduced bank guarantee limit of £85,000 came in, I believe a…
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Chip General Investment Account
I have some money (around £650) invested with Chip over the last year or so, I have decided I wanted to remove the funds and put elsewhere, I selected sell them and nothing happened for about 7 days, so I messaged them and got this reply today.... If you're referring to your Shareholder Shares, please note that you are…
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Savings for grandchild that lives in Australia
I now have a grandchild that lives in Australia. I'm based in the UK. I'd like to open an account such that I could put cash in there in lieu of birthday, easter and Christmas presents. By the time he is 16 or 18 I'm sure he will appreciate. Not huge amounts but it all adds up! Is this possible, if so how? Links etc would…
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Monument App - Android Tablet
I have a phone running android 10 and a tablet running android 11. The app works on the phone but not the tablet. CS told me the minimum requirement was android 8.1 and they don't recommend using a tablet but couldn't tell me why the app is deemed "not compatible with your device" by play store despite running a newer OS.…
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Vanquis Savings Account
I recently opened a Vanquis Savings account as suggested by Martin Lewis. To put money into the account you have to do a bank transfer from your own personal bank into the Vanquis savings account. I sent £1,000 around 3 hours ago just to test it out, it has left my Nat west account but nothing has arrived into my Vanquis…
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Help with investing in UK Gilts
Just looking for the first time at putting some of my S&S ISA into a UK Gilt On my platform of choice there is a graph of the fund value that shows it was hovering around £130 a few years ago and now its dropped to around £100. This confuses me because I thought the whole point of Gilts was the value is rock solid and it…
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Selling shares, tax implications and Equiniti
Hi. I have a small amount of shares (around 5K) in various companies including M&S and just want to realise the money. I paid Equiniti to obtain a couple of lost certificates. I completed Crest forms and they are now in a share account with IWeb, the platform for my S&S ISA.My questions are:Could I have moved these…
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At what age do you grab your life savings and head for cover?
I'm late 60's and took early retirement about 6 years ago. I currently have state and DB pensions that I could just about live off of if disaster struck. I also have savings split between SIPP (£260k), investment accounts (£170k) and 'cash' (£60k mostly premium bonds). When I was working I didn't worry about stock market…
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Xtrackers X GLOBAL SELECT DIV 100 SWAP (XGSD)
I like the look of this fund which currently has a huge yield: https://www.ajbell.co.uk/market-research/LSE:XGSD The aim is for your investment to reflect the performance of the STOXX® Global Select Dividend 100 Index (the "Reference Index") which is designed to reflect the performance of the 100 shares of companies which…
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Help with multiple accounts
Good morning, I am attempting to simplify my mother in laws savings and accounts. She has 60k in Yorkshire 2 yr fixed ISA at 4.3% . She has a paying in book which has shown 2 X interest returns for the previous 2 years one being £480 and 2nd year being £520 this is approx as I have only glanced over her paying in book. We…
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Missing Royal Mail Shares
Probably a stupid question but I did have 279 royal mail shares which i know changed to IDS. These seem to have disappeared from my halifax share dealing account without trace. The last corporate action I can find is the suspension of the sale on 6th August. Can anyone enlighten me as to what happened?
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Severn Trent Water
One of England's top-rated water companies is using an accounting trick to artificially inflate its balance sheet by more than a billion pounds, BBC Panorama has discovered. Severn Trent Water claims that an investment is worth £1.68bn in its accounts, when in reality it has no value to the overall business.I don't know…
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Understanding FSCS for ISAs/SIPP & funds
Hi, I've got a stocks and shares ISA and a SIPP with AJBell. Each account has shares in a few different tracker funds (e.g. BlackRock consensus 85). I'm trying to work out what level of protection I get from FSCS. I.e. if AJBell go bust do I get £85k protection across everything? Or is it £85k protection in each fund? Or…
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Where to put £400k for 6 months
We have a period of between 4-6 months between selling our house and buying our new one and will need to put the sale proceeds somewhere, ideally being protected and earning interest at the same time. I have never had savings in my life and have no idea what kind of account to open that will tick these boxes. I know you…
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Refused savings accounts
I have had an account with Starling for several years and have a £20k sat in various 'spaces'. I tried to open an easy savings account but was rejected so tried a flexi account and was also rejected. I am going to have to go elsewhere which is frustrating, but I don't understand why I would be rejected when I have funds in…
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Semi Newbie question about Funds ( High Yield ).
Hello All, While I have a basic understang about finds and distrubutions and how they work im trying to increase my portfolio income. I started to explore Dividend Funds and seem to consider single digit % returns once a quater is the norm. However as you go down the rabbit hole I came across a few like the one below..…
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ZOPA Beta Current Account
Hi has anyone managed to make a bank transfer into this account? Tried to do one this morning but it failed the COP check so was unable to. Aware salary and benefits can't be paid into this account but would have thought that electronic bank transfers would be okay. Opened it yesterday so it has been 24 hours.
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Savings products on apps
I notice that the best savings rates only seem to be available via an app. Some others have an app as an option. With the spate of phone thefts, it's bad enough risking a theif being able to access one's bank account, but who wants to risk their savings like that?
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