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Risks of Lifetime ISA
morning trying to find an answer is proving difficult, so wanting to get some advice on the following am looking to opening a lifetime isa for a first time buyer benefit however, i see there are various companies with different fees and different investment risks, but still cant see what i am looking for my question is:…
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Brexit, How Will You Invest Next 5 Years
A thread on this site about Trump made me think of this. The referendum result was attributed to a rise in transfer values which helped some make a decision to give up their "gold plated" db pensions. While there is still a lot to play out as regards Brexit negotiations etc, how do people think the next 0-1 year, 1-3…
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is £1500 initial fee worth it for financial advisor?
I had a meeting with a financial advisor who seemed very good. His initial fee is £1500 regardless of how much money I chose to invest. I have 90k in savings however may buy a house with 50K (rest will be paid via mortgage) and use the remaining 40k will be used in investments. Not sure if it is worth going with him if it…
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Price of Inc vs. Acc
I was looking at the price difference between income and accumulation version of a couple of funds I own to try and understand the affect of dividends over time. From my calculations the annualised difference is alway under 0.5pc. I was expecting it to be somewhere between 1 and 2 percent matching the 'yield' number in the…
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Apps like Qapital
Hi all I was just wondering has there ever been a UK version of the app Qapital that basically lets you setup rules on your bank account for example at end of month put any additional money into saving account and so on. I know there is apps out there that track your spending and puts the saving into one of their own…
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Monzo Savings Account
Just got an invitation to open a Monzo savings account. Looks like it only pays 1% though so will pass on it. But at least if you don have 'pots' you can now get interest on them.
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Best place to keep lump sum of money?
I have never had the luxury of having much in savings before so I've only ever had a basic savers account. I opened an ISA last year and have filled this up. Buying a house with the money currently in my ISA but will be receiving c. £50k shortly as inheritance. I have no idea what the best type of account is to keep this…
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FlexDirect/Saver 5% question
Hi, My Flex Direct with 5% on £2500 has just finished, i have the 5% regular saver linked to it but a few months later. Can i switch my flex direct account and just have the regular saver or do i have to keep the current account to not affect the saver account? Thank you......
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Interactive Investor does it again!
I have had an email saying my consolidated tax voucher has been re-issued. Note that it doesn't say what exactly was wrong, doesn't apologise for the error, and doesn't explain what the difference is or how it has come about. So now I have to try and check it, work out what is different and advise the tax authorities.…
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First Direct Expedia voucher
Hi, Quick question. Would anyone know if i were to have two £150 Expedia vouchers, one for switching my current account and one for my wife's, is it possible to combine these into a £300 booking against a hotel on Expedia? Thank you.....
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Savings or ISA
Hi I'm currently in the 40% bracket and have a quite alot of savings I was wondering with the interest rates so low where to put my savings. Best easy access isa I'm finding is around 1.37% and best fixed savings are around 1.9 for 1 year (banks I've heard of) obviously on paper go for the 1.9 savings but with paying 40%…
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Like the February Correction ?
Or the start of a big crash ? What's your opinion ? Personally I think it's similar to what happened in February and should recover over the coming months. Just wondered others opinions on this and whether anyone thinks this will be the big crash that some have been predicting........
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Investment services for international investors - any recommendations?
Hi all, As I'll soon be leaving the UK and moving to another EU country, I am forced to either close or suspend my Vanguard S&S ISA, with suspend meaning I can still hold the investments and benefit from any future gains, but I can't do anything else. The country to which I am moving doesn't have a Vanguard equivalent. I…
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Direct Debits for Nationwide FlexDirect
I have just opened a Nationwide FlexDirect account and would like to introduce my husband for the intro fees, however, in the switch it this has to include 2 Direct Debits. He wants to switch his account but does not have anymore direct debits so apart from using 2 charities at a cost of £2 per month (against the interest)…
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Helpp not sure where this will fit
Hi I’m 23 and back in college , in June I got signed off with depression and wasn’t dealing with anything in a normal manner, since the end of July up until this month I was receiving a Payment of £200 from a standing order , when I received the first lot I went into the bank and asked if they could tell me who the payment…
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Share Incentive Plan exit
Hi I've changed job and I contributed to the SIP offered by my previous employer. As I've left I have to sell/transfer my shares as well as meet the tax/NIC liability. The options available are: 1. Sell all shares and receive the cash value (minus tax due) 2. Sell enough shares to pay tax due and transfer the remaining…
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Lindsell Train & IWEB?
Has anyone spoken/asked IWEB recently if they have any plans to offer the Lindsell Train fund range? If they did I think they would be just about the perfect platform. So frustrating.
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Pay off buy to let or invest?
Having recently paid off mortgage we've a chunk of extra cash each month and trying to figure out best thing to do with it. We have 2 buy to lets - one with about 80% equity and the other about 40% equity - both with very low interest rates and fixed for 2 and 5 years respectively with option to overpay 10% a year. Plan is…
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Aim iht isa
Once someone reaches their 80s and is potentially going to be liable to IHT, does it make sense to indulge in this type of fund? With a proportion of their assets anyway.
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Liquidity, liquidity, liquidity
I woke up this morning to stories about the price of minced beef increasing by 50% in the case of a no-deal Brexit. There's an excellent article by "The Undercover Economist," Tim Hartford in today's Financial Times, comparing Brexit to other "mega-projects," using Bent Flyvbjerg's six assessment criteria. It doesn't look…