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3 requirements for platform
Can anyone recommend a non app only platforms for 3 functions? 1. Buying shares in a handful of companies " I like the look of of" 2. Buying a s and s isa with a global tracker fund 3. Bringing together a few pension pots into one self invested pot
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New 3 and 6 month Treasury bills - deadline Thursday 11.12.2025
I appreciate only of interest and accessible to a tiny minority on this forum, but for those for whom Treasury Bills maybe of interest see below - https://www.ii.co.uk/ipos#current
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Hargreaves Lansdown ISA top up or transfer offer.
£75 to £5000 cashback for existing clients toppping up or transfering. By email invite only. https://www.hl.co.uk/accounts/exclusive-cashback-offer-isa
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Market moving when closed
On Trade212 I cannot sell or buy shares when the market is closed and yet the share prices moves quite a lot on some stock. Can someone explain how it can be possible for prices to change which would mean that there are shares being sold or bought? Some changes are quite significant. Are there big investors that are able…
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Interactive Investor - lower costs from Feb 2026
By email today: "We’re introducing new charges with a simpler, all-in-one flat fee to cover your ISAs, pensions, and investments. We wanted to give you plenty of notice ahead of time so you can see how these changes will affect you. What’s changing for you? From 1 February 2026, you’ll move to our new Plus plan. Your…
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Put money away till the children's 21
Hi I've got two granddaughters living with me their mum passed away and left insurance roundabout 70,000 pounds each they are 15 and 16 year old what can I do put this money away and be safe till they reach 21 make a bit interest and released it till the 21 year old any advice would be appreciated thank you
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Investec
I have had a 12 months bond with these guys through my Hargreaves Lansdowne active savings and they have been fine. I just noticed that they are giving 4.5% pa if you open a 12 months bond with them directly versus 4.16% pa via HL. Anyone had any savings with Investec UK directly and can comment on how it went? Were they…
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Merged: Trust
This discussion has been merged.
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Tesco Internet Saver & HRMC Interest Reporting
Opened a Tesco Internet saver account on 15/4/24, this had an interest guarantee Bonus rate for 12 month of 3.56%, plus a variable rate 1.25%. At the end of the 24-25 year Tesco (Barclays Bank) seem to have only just reported interest at 1.25%. to HRMC. The Fixed Rate 3.56% interest was paid when the account was rolled…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go. As Cynergy only have to notify you if the…
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Nationwide FlexDirect interest rate
Where is the interest rate for a FlexDirect account displayed in Nationwide online banking???!!! I think I'm going mad, but I just can't find it! TIA!
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Best bonds' fund for nearing retirement
Following on from a previous question, can anyone recommend the best fund for bonds please? Ideally available to purchase as part of my SIPP through Halifax Share Dealing. I did read about a study (Beyond the Staus Quo: A Critical Assessment of Lifecycle Investment Advice) that recommended 100% equities (33% US, 67% intl.)…
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What to do with £35k
Asking for a family member A family member has £35k for investment that they would like to maximise the value of, and they've asked me to ask the hive mind. Age 46 ISA allowance is fully used for this year. Money not expected to be needed for a decade or more. They have a very healthy emergency fund. Do they invest in a…
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Savings tax interest - confused!
Hi all, I’ve had a letter from HMRC today letting me know I didn’t pay enough tax in the last financial year due to earning interest on savings. Happy to pay it but am struggling to understand their calculation and hoping someone here is more clever than me and can understand it! I am a higher rate tax payer, earned £1066…
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On going FA charge (sorry)
I have a small pot of £360k with Prudential that I cashed in 2022. The Pru appointed an FA and he set up a Prufund RM3 and Prufund Planet RM3. It just sits there and I have an annual review that takes about 30 minutes and its the only time he interacts with me. The Pru pay him monthly out of my fund. He has dropped his on…
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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Would this strategy of 100% equities work?
What if I had 100% equities (in index funds) and a cash buffer to pull from for the average bear market of approx. 22 months of living expenses. Plus, say, 22 x £1,000 to buy the dip? I think I'm getting close to retirement and I am mostly I equities with hardly any bonds which I'm told is ill-advised.
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Best Strategies for Saving and Investment: How to Build Wealth Over Time?
Hey everyone, I'm relatively new to saving and investing, and I wanted to get some insights from experienced members here on the best strategies to build wealth over time. There are so many options out there, and it can be overwhelming to know where to start. Here are a few questions I have: * What’s the best approach to…
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Security problems on some ii screens?
I'm getting security errors (the Your connection isn't private Attackers might be trying to steal your information from secure.ii.co.uk (for example, passwords, messages, or credit cards). net::ERR_CERT_AUTHORITY_INVALID screen) on certain ii screens, when I'm logged in to the site. It seems to be screens that start…
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