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Is it a good time to cash out my US shares?
Hi all, I would love to hear some advice on what to do with the US shares that the company I work for has given me. They’re worth $15k, and I was planning to leave them as they are, as they’ve been growing over the last few years. However, with everything happening in the US at the moment, I’m quite concerned that the…
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Unclaimed asset in Colonial Mutual
I have received a letter from Rightful Claims from Australia that they have found an unclaimed asset in Colonial Mutual UK . They want me to sign up with them for a 30% commission of the unclaimed asset. I did have a policy with Colonial Mutual but I thought it had paid out. The policy is in my previous married name and…
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Tips for Maximizing Savings and Investment Returns
Hi everyone! I'm looking to gather insights and strategies on how to effectively save and invest my money. What are some tips or resources you recommend for maximizing returns on savings accounts and investments? Any personal experiences or advice would be greatly appreciated!
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Tax year of interest payment to a current account from a Fixed Rate saver
Hi there. For tax purposes, which tax year would an interest payment to a separate current account from a Fixed Rate (no access) saver be classed in? The account matures in May 2025. I cannot make any withdrawals from the account until then, so I cannot access the account during this tax year. There was an interest payment…
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How much debt?
How much debt do you have? I’m 54 and mine equates to about 30% of my total assets (property, business, pension), which sometimes feels a big number. But it generally comes down a bit each year. I try to think long term, and not panic, but I expected to have less debt at this age.
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Savings or Pension?
After a bit of advice here guys. I have £75k in fixed ISA (1 year) Around £20k in various savings accounts, mixture of 6 month/12month and easy access. £3k in work pension. I bit of detail about my personal situation. Mid 40's, and mortgage free. I work part time-ish, and earn about £24k per year. Was previously…
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YBS web issues
Anyone still having issues with YBS website? yesterday it took me around 6 attempts to get into my account during the day and today much the same, after 3 goes it just says not available. I can get in via app but it wont let me use a debit card in the app only via website.
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Tariffs - response...
So the first round of tariffs was not a bluff. How does it affect fixed interest investments? It is not going to dampen inflation, so my first thought is to move money from an aggregate bond fund into cash pretty quickly (something like CSH2).
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chartersavingsbank 60 day notice
Need another £5k out of my chartersavingsbank 60 day notice account by April 6th for an ISA . When i log in and try to withdraw the £5k it just asks if i want the money by tomorrow? It makes no mention of 60 days notice, does anyone know how it works.
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InvestEngine experiences?
Just wondering how people who are using InvestEngine are finding them? I’m considering transferring my sipp and isa over.
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Regular investment of £500 per month. Who to invest with?
Hi all, thanks to a pay rise, we are in a position to invest £500 per month. Which company would it make sense to invest through? I’m reading lots about fees and I see that Trading 212 is mentioned a bit. Would they be ok for this regular amount? I currently have a ISA with Vanguard which is just £8000 so I will also be…
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Charting tool - for non clients
I am just finding my feet in learning how to evaluate my funds' performance. I would like to use a Charting tool such as Trustnet as a non-cleint. Is there a way to add funds to a portfolio, by using either the fund name or the ISIN Number, ie without entering all of these details: - Investement Type - Management group -…
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Vanguard FTSE All-World High Dividend Yield UCITS ETF
Hello, https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-high-dividend-yield-ucits-etf-usd-accumulating/overview I understand "Vanguard FTSE All-World High Dividend Yield" is bought for income. But when should one consider buying the Accumulation version of this fund? The "FTSE All-World High Dividend…
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Best Pension for Sole Trader earning 60-80K per year.
Hello Wise People of the Forum, I need to set up a pension asap and would value advise on any recomended pensions for sole traders like me. I am 47 and have just a few tiny assortments of pension currently. Total about 8k. I will be coming into some money via the sale of my buy to let flat shortly. Around £350k. I plan to…
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HL Active Savings £100 cash back terms - moving funds
Hi. I opened an HL AS account last week and I've just funded it (via debit card) with £10k. Having now looked at the investment options, I'm a little disappointed to see that my £100 cashback will effectively be closer to £90 due to the start date on the fixed term products (8/7). Can I open a fixed term account with £1,…
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Help with savings to pay kids uni expenses for now
Currently have 1 at uni from Sept hopefully 2. We are somehow going to have to find £1.2k a month for them, which we can't afford but have no choice. We are putting money away each month which we will need to access approx 3 times a year, what's the the best type of account we should be looking for which will allow us easy…
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Advice please
Morning all We borrowed 10k from my parents, with the agreement to pay them back in 5 years. We have been putting £170 a month away in a BoS 3.75% savings account. The interest is monthly. We now see they have a 5.5% monthly savings account, we cannot put the £2k we have saved into it, but we can save £25-250 a month into…
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Individual Gilts
I have the following questions about individual gilts: * Are individual gilts always exempt from CGT currently? * As example, Are individual gilts exempt from CGT even if not held to maturity? * If the gilts price rose above £100, would the part above £100 subject to CGT * Thank you very much
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Shawbrook Bank's Secure Messaging?
Just wondered what recent experiences people have had with Shawbrook's secure messaging service? Have they been slower than normal? I'm sure there used to be an indication of how long they'll take to get back to you, but don't see it on their site any more.
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Savings accounts which accept payments in from a Third Party (not via a 'nominated' account)?
My adult son and I want to set up a savings account in his name (not joint) where I can pay in regular amounts directly, rather than them having to go via his bank account and require him to transfer them. It seems so many savings accounts only accept payments in from the designated nominated account in the same name?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Good growth in stocks and shares ISA - trying to "crystallise" the growth by jimjames
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