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Old Premium Bonds - Any way to check?
My Mums been tidying up and found £25 in premium bonds from way back when, perhaps over 50 years old, I seem to remember she did this a few years back and I found somewhere I could check them - alas I can't seem to find that now, NS&I want a holders number, which I don't have. MSE Site seems to suggest I'm not going to be…
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Protecting our savings
Hi Newbie here. We seem to be getting squeezed as to where we can protect our savings from the tax man. I am aware of the tax protection an ISA offers, but with the proposed changes to the ISA threshold looming, Where are you savvy savers putting your savings ? ( Interest above £1000 in banks and building societies…
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Trading212 Spending Pot
Trading212 have changed the way uninvested cash is handled in their "invest" (non-ISA) account. It is a strange feature of this account that you can use it for trading but it also comes with a debit card which can be used for spending. They are introducing a "Spending Pot" with cash held separately from the main trading…
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Inheritance
On Friday I am recieving 20K in inheritance and another 20k in April. Can I have advice on which are the best accounts to place my money until I decide what I want to do with the money. It needs to be instant access. Thanks for any advice given in advance
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Beginner exit strategy on stocks?
One thing I didn’t factor in when I started investing was: when should I sell? I overwhelmingly invest in long-term ETFs, but have about 15% in individual stocks. I’ve learned that the general rule is to sell at +15% - 20% from buy-price. But, is it better to sell the whole lot, or just part of the stock? I’m very new to…
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Trustnet portfolio tool query
I don't have any investments in shares, but have started playing around on the Trustnet tool trying to set up a model share portfolio just for fun and for learning purposes. Am I correct in thinking that the share values are tracked, but the model takes no account of the dividends received? This is probably a stupid…
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What to do after selling flat and with salary. . .
Situation as follows for my current partner Salary: £105,000 Just exchanged on selling a property so will have approx £150k left after settling all credit cards and loans and a holiday etc. Own a main house and mortgage is just over £2.5k pm. She has £19k in a pension at the moment so is paying 40% tax. Seems better to put…
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Save into an ISA or small pension pot?
THANK YOU EVERYONE! I'm close to retiring (age 64) and would like to invest some savings before the end of the financial year. Would it be better to invest in an ISA or put it into one of my small pension pots?
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The 30 day CGT rule
Please can I check I understand this. If I sell a fund and re-buy the same number of units within 30 days, for CGT purposes the two trades never happened. I don't declare it on self-assessment and the original base price is unaltered. If that is correct, then... if I sell a fund and incur a CGT liability, and within 30…
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Principality 6m Regular Saver matured but problems opening new one
Hi, please can someone advise? My 6 month regular saver with Principality matured on Saturday and in their letter they said I was entitled to an exclusive maturity account - another 6 month account at 8% (well, 7.85% but... you know.) When I tried to set my instruction for this to happen it said I was unable to, as I have…
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Submitting Self Assessment returns, interest over £10k
HMRC may be changing tack (for some) on the requirement to submit a Self Assessment return once interest exceeds £10k. This page (scroll to ‘If you go over your allowance’) now seems to have different arrangements for self-employed and PAYE employees/pensioners. Other gov.uk pages haven’t updated.…
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Bristol & West Liquidation Payments
I submitted Bank Details using their on-line 'registration process' but because of how HSBC name an executors account, the submission failed their a/c name matching process. A response was along time coming from Bristol & West, who asked for a copy of a bank statement. This was duly supplied, but, they chose not to process…
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Child Trust Fund for 12 year old
Hello. Our son who is 17 was given a Government trust fund payment that our daughter, who is 12, doesn't have. Would it be worth us opening a trust fund for her now, or have we "missed the boat", please? Our son's is with Columbia Threadneedle (previously F&C then BMO). Thank you.
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Capital Gains Tax - Selling ETFs
If I sell some ETFs and then use all of the funds from the sale to buy other ETFs am I liable for capital gains tax in the monies from the sale? TIA
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Tax code for interest
I do not have to submit a tax return. My tax code is adjusted by HMRC to deal with my taxable interest, which comes from a number of different sources. They simply announce the total amount, and I have not found any way online to explore the details, or request this information. I am not claiming any errors, but would be…
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HL issues anyone?
Is anyone experiencing issues with viewing fund fact sheet on Hargreaves says it not secure And the option on site , we're you can analyse portfolio. It doesn't seem to , it just keeps saying analysing I tried few different things no luck , wanted ask before I send them a message
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Spreading the risk: too much digital and in cash
Aside from my home (owned outright) pretty much all of my other assets are in the hands of building societies and banks (digital cash largely). I've been getting the jitters recently about digital 'armageddon' or the like, (I know, I know, I'm paranoid, but cut me some slack please) and have been thinking about what, more…
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Imminent life-changing inheritance. What to do first?
Hello, I am a long-time lurker but have not posted before .I have been looking through various threads so have a very basic outline, but I am looking for some advice on where to go, who to speak to etc., along with what immediate steps I should take. I will be receiving a life-changing inheritance very soon (£550k) on 3rd…
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NS&I ‘Pin Locked’ issue
I’ve been having some trouble getting into the NS&I website to withdraw money from Premium Bonds. They say that my PIN is locked for some reason (even though I have no record of having a PIN) and the website tells me to call a phone number: 08085 007 007. Is this a scam? Should I be concerned? The website appears to be…
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General Investment Account record keeping
Hi Each year I always max-out my ISAs, SIPP etc... A couple of years ago I started investing in passive index trackers funds in my General Investment Account (T212 and Vanguard platforms). I dont plan on selling anytime soon. I view these investments as long term holdings. I read that - for reporting tax etc - its far…
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