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Is it worth changing portfolio before in-specie transfer
I'm considering moving my SIPP from HL to ii in the new year. I hold several HL specifc funds such as the HL Select Global Growth Shares Fund which obviously won't transfer directly over to ii. Is there an advantage to me selling the non-transferrable funds and purchasing something which is transferrable (a vanguard fund…
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The Faster Payments Cut Off Times List
Welcome to this thread. The purpose of this thread
is to provide a regularly updated list of the cut off times for faster payments
made into the savings accounts offered by various banks and building societies
to begin earning interest the same day. Given the sheer number of banks/building societies
there's bound to be…
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New year portfolio tidy-up
My etf portfolio has got pretty unbalanced as I've not been keeping an eye on it this year. I will need to rebalance soon. I am also thinking of taking the opprtunity to potentially do a bit of tidying up, particularly the bond part. I currently hold these bond etfs with these corresponding target allocations (which have…
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where should I put the proceeds from the sale ?
Hello Need some advice and would appreciate any help at this time Hi all, I’ve sold my Home and moving back into my mothers due to my ill health and recovering from my cancer surgery where should I put the proceeds from the sale ? Roughly £160,000 (Likely to be a year ?). Many thanks
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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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Interactive Brokers
Hi, has anyone experience of using "Interactive Brokers" (interactivebrokers.co.uk) for trading / investing in the UK. I'm looking at US stocks and wondering about conversion costs and trading fees etc.. Completely new to this, so learning at the moment, thanks
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Skipton app up the pokey!?
It worked early this morning then went rogue on me. Has happened before. Probably no one on duty today to fix problems or it’s me or my up to date iOS. So I logged in to their internet banking to transact and of course it demands a code generated from their app! So I uninstall their app, reinstall their app and at the end…
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Favourite fund for beginner
What's everyone's favourite fund? Is there a more popular one? Thinking for somebody wanting to start out in investing and looking to invest in a diversified fund
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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NSandI's 2-factor authentication does not work
Four fruitless hours today trying to log in to NSandI. Their 2-factor authentication system asks you to press the star key (*) to listen to the one time passcode, but doesn't recognise the tone when you do. "Please press the star key to listen to your OTP." - presses star key * - silence "Please press the star key to…
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Has saving affected your mental health.
First time on the Savings thread but i thought it may be the best place to pose this question. I have thought long and hard about if I should post this or not given the cost of living crisis and how it is affecting huge numbers of people but here goes. I am currently in a very fortunate financial position but it hasn't…
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Natwest Digital Regular Saver - interest rate going down
Email from Natwest stating the 6.17% rate (upto £5000) is going down to 5.50% from the 30th May. The rate above £5000 is reducing from 1.25% to 1.15%.
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Royal Mint Login Issues
My second attempt to post this questio as the original seems to be mysteriously locked?? Apologies. Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page…
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Trading 212 can't change bank details
I've made a little bit of money through Trading212 as recommended here, but my bank details need to be changed so I can withdraw. However, there doesn't seem to be any option in the app to do this. My original card is verified and I can view the details but can't delete or change anything. Can anyone help?
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Dividend yearly statement (Section 104 CGT calculations) - Equalisation?
Hi, I am trying to pull together details for my Section 104 to allow me to see how much income from dividends I can off set against my capital gains when selling funds from my GIA accounts. With CGT allowance being so low now at £3,000, this now seems to really matter as I start to move my assets from GIA to ISA. So I am…
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1p savings challenge
Started the 1p savings challenge today in two accounts but wondered if anyone knew how much one would save in a year by doubling up each day , ie. 1p,2p,4p,8p and so on.
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Best place for a child saving account
I have read the MSE article, but all the accounts are flawed. I want an account which my child can only touch when they are 18 without eating into the isa allowance while also allowing me to touch this money for big purchases (eg a car). Nationwide flex cannot be an option as he already has an account for pocket money. All…
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Let's discuss... corporate bonds
There is
surprisingly little discussion of corporate bonds on the forum. That surprises
me, both because they comprise a huge market – higher overall market cap than
equities – and because I see them as a good source of diversification and income.
So I thought I’d start this thread. There is a
sizeable contingent of people…
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Rockhopper Open Offer
Having a small position in Rockhopper Exploration (RKH), I've been invited as part of an open offer to purchase a small number of shares at the reduced price of £0.53 per share (current price £0.70). I've accepted the offer, but there's also an option to buy additional shares, should they be available as part of the offer.…
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2026 Savings & Investments Goals
Has anybody any plans for 2026?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
