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Bond fund yields
I have a few
questions about bond fund yields. First, what is the best way to get an
accurate forward/distribution yield? Is HL accurate, showing eg 3.97% for Fidelity’s
gilt fund? Second, to what degree is
there a correlation between a gilt fund and a nominal gilt with a similar duration
(or is it the maturity of the fund…
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NS&I Index Linkers
I've a sizeable tranche of IL bonds maturing in Feb next year. That will still leave me with several issues under the old terms until 2028 and, as the renewal terms with a lock-in doesn't float my boat, the current plan is to exit all, or most, at maturity.My understanding is that the minimum term, and lock-in, for…
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baillie gifford global discovert B acc poor performance
Hi bought a chunk of the above fund (5K) in 2021 and its tanked pretty bad dropping 60% in value since then. I am OK with this as its a small part of a much larger portfolio and was purchased as a gamble more than anything. I am not intending to sell and crystallise the loss as i have no immediate need for the money…
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Gatehouse Maturity Options - Where can I find them?
Good morning, my Gatehouse regular saver is due to mature in 5 days & received an email asking me to select my maturity options... Looked in both the app & browser but there is no option to select maturity options... Any help appreciated! Thanks
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Try to understand corporate bond
Hi, I sold some share in my HL SIPP and try to get bit safer investments due to my age (not retirement yet, but graddually getting there). I am trying to understand corporate bond as I think for some bonds issued by giant company, it is unlikely to give me a negative shock. for example, bond issued by Lloyds bank (e.g.…
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Close Brothers Savings Account question
I opened a Savings account and now I need to deposit some money into it, when I transfer the money it looks I transfer it to a Close Brothers account and they transfer it to my account, has anyone else experienced this?
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£5000 starting rate for savings
HMRC have told me that this £5000 allowance does not apply to interest on savings accounts, just on capital gains etc. is this correct? My understanding was that, being on a low income I can earn £5000 interest on my bank/building society savings before I pay tax. Please help!
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Is it easy to rationalise and transfer Pensions from Aegon ARC ...do I need an IFA?
Hello All, I'm finally at the point, following a long drawn out sale of late fathers property, where I'm needing to review and sort out family finances. Long story short. 58yrs old Zero Mortgage Early retired (carer for better half who has terminal condition) Living from rental property income, PIP, carers allowance etc..…
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Local coin swap
I was contacted by someone from Learnspread about investing. They apparently recruit for Localcoinswap. It is a £250 initial investment, which is converted to Euros I believe. I was going into hospital next day so declined and said I would wait until my discharge. I have a call arranged next Monday to discuss matters. Has…
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Savings with Aldermore bank
Hi all I had money left over from my latest wife's estate and with no current need for it I approached Aldermore bank and deposited in a fixed rate 9 month saver which expires February 2025. I have however hit a financial hiccup in my life at the moment so I could do with the cash right now. I have approached Aldermore…
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Bristol & West winding up. Legacy demutualisation shares?
Any share-savvy people here? I've received tiny dividend amounts on a regular basis since it demutualised and thought this would continue for ever and a day. However, just received an inch-thick wadge of mail which, cut short, seems to say that this company is being wound up. Does anyone know what's actually going on here?…
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Qualifying corporate bonds
Came across this when I was looking at gilts and tax friendly investment. But I am not able to find anything online. Was hoping for a list or some easier to understand language than the HMRC manual or its direct citation. Where should I be looking? Or do they exist at all? Thank you
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Where can I invest £4,000
Hi All, can you suggest where I can invest 4K please? What’s the best way in the current climate to invest this? Don’t usually have this much cash to invest somewhere so need to be wise.
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Tallymoney
A family member is thinking of opening an account and investing in Tallymoney. I am not sure if you are allowed to post links to financial products on here, but a Google search brings up numerous links. It looks like a good and genuine alternative to fiat currency, so I would appreciate any comments or if anyone has had…
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Company SAYE share scheme maturing
Hi All, new to the forum so take it easy please :# I have a company share scheme which matures next year. I believe it is a PAYE scheme that allowed me to lock in a share price at the start of the 5 year term and then buy them at that price when it matures. The share price has doubled and fingers crossed it stays this way…
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Investing £5k - sharia compliant - ideas?
I have £5k available (after keeping some money aside for emergencies) that I'd like to invest. I am specifically looking for halal/sharia compliant investments. I used to use Wahed Invest but withdrew after some bad experiences with them, and am looking for an alternative. I see companies like AJ Bell have Sharia compliant…
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Savings Interest
This probably has been asked many times but here goes. As the banks etc. I save with have now reported the interest I have earned for 23/24, HMRC have advised I need to pay tax of £1269.00 by end of January 25 or I can simply have it collected via PAYE from April 25 to March 26. Using this information they have estimated…
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Chip App upgrade
Since the. Chip App only works on iOS 16 now and my IPhone is a 7, I can’t now access my money. No warning about this issue was given. They have effectively stolen my money. It is not financially viable spending £100s on a phone upgrade. I want my money back 🤬Update - Chip told me to delete and reload App - this gave a…
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Breaching £1000 interest in 24/25 - best course of action to minimise tax
Hi all, Long time reader, infrequent poster, hope you can help with my situation. Due to substantial stoozing pots in fixes maturing in the summer, regular savers maturing around the same time in Sept and Nov and getting up to £5k balance in each of RBS and Natwest Regular savers I recently realised that I will earn over…
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Opening accounts
It seems to be impossible these days to open a financial
account without a mobile, so it looks as though I’m going to have to bite the
bullet. I have a mobile but have never needed the phone function. Since
I am only going to use it to receive texts from banks etc, what is the absolute
cheapest way to achieve this.
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