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Has anyone used Pickafund?
Hi all, I was looking for a better alternative to a fidelity fund I have had for ages. It’s an actively managed global equity blend fund but the fees appear expensive when compared to others. Has anyone used this website https://pickafund.com/ It seems to be suggesting some good alternatives when using its comparison…
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Question re CHIP
I may be missing something really obvious here, but as CHIP offers a variable ISA, is there any advantage in having their Instant Access Account at a lower percentage, when the ISA is flexible and allows withdrawals/deposits without impacting the ISA allowance? Secondly, CHIP offers an Easy Access Saver at a higher…
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Trustnet Portfolio Login Problems
Good Morning, Has anyone else been experiencing Login problems with their Trustnet portfolio (it comes up with an invalid SSL certificate - but all other areas on the website seem to work)?
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Reorganising my investments with HL
Hi, Forum! I've got a SIPP with Vanguard and a Stocks and Shares ISA with Hargreaves. I'm quite happy with the SIPP but I want to get some opinions on the Stocks and Shares ISA. 1 - I know Hargreaves have bigger fees and I'm wondering if now is the time to move away. But who to? The thing about H&L is that I feel like…
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Proceeds from sale of BTL
I’m in the process of selling my BTL flat. The net profit after fees and CGT will be approximately £150,000. I’m almost 60, single, no dependants, earning £32k a year, £90k in savings. Looking to retire in April 2026. I have two DB pensions (£12k) which I can access at 65. I’m planning to max out my pension contributions…
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Progressive Regular Savings Account
Hi all. Did anyone manage to successfully open one of these regular savers?. I filled in the application form but when they sent me a pass code they refused to let me access my account. I never deposited anything with them and after many times trying I abandoned the idea.
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How to grasp the intangible
I have an investment in crypto. I have the hash ID, block ID etc and it has been verified multiple times. The issue is I need to find someone in crypto who can confirm it's real, and how to cash out. Is there anyone in crypto out there not involved with a scam of some sort, please.
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Receiving 100k, what to do with it?
Hi, my father in law is gifting us £100k and we're not quite sure what to do with it! * We're both early 50's. * I'm in the highest tax bracket and my wife is in the basic rate. * We have about £60k left on the mortgage which is an offset mortgage with an interest rate of 6.8%. * We have a son who has just started a five…
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Tax on savings interest above £1000 - do I need to complete a self-assessment?
I'm currently receiving an occupational pension for which tax is paid at source. This year, following the sale of a property, I've acquired a lump sum. I've paid the CGT on this through the help of an accountant. All sorted. However, I now have about £80,000 remaining (as of the end of August this year) which is sitting…
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Do I owe CGT
Hi guy's, first post here...I am currently 28 and looking to buy a house. In 2009 my great uncle died and left £10,000 each for me and my brother which my mum invested into a royal london fund as we were young at the time. The holdings are now worth around £30,000 which I am hoping to use as a deposit. If my mum cashes out…
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SAYE Shares ISA provider
Good morning, Next year I will transferring my SAYE shares into a stock and shares ISA. I think I'm ok with the procedure but unsure on the provider to choose as only a certain few do this (It seems to be the big established companies rather than the new app driven providers). Can I ask the forum members with experience of…
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Cahoot 'Simple Saver'
The account may be called ‘Cahoot Simple Saver’ but I found the application
process far from simple. First I found that if you are an existing Cahoot customer (I
have a Sunny Day Saver account) you cannot apply for another account after
logging in. You have to log out and apply as a new customer. The application process…
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Interest on sole accounts that become joint accounts (and vice-versa)
My partner and I have various savings accounts. Some in sole names, some in joint names. We recently changed a sole account (my partner's) into a joint account. How is the interest allocated between us for tax purposes? 1. The interest up to the date of changing the account is all in my partner's name, but then becomes…
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Higher tax band - NHS worker
I've moved into the NHS in the past couple of years and top of band 7, soon to be earning £52,800 a year which will push me into the 40% tax bracket. This means my PSA will drop to £500 and I'll be taxed 40% on all the interest I earn after that. I'm currently projected to earn over £1100 in interest this financial year.…
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How best to avoid tax on investment gains outside of an ISA
I’m after some advice for a close friend, who’s life has changed over the last year. Here’s their situation. 55 years old. made redundant just before Christmas (minimal pay off, cleared debts) Not claimed any benefit/redundancy support as lives with her partner who is in full time employment. Her total monthly outgoings…
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ETF/Foreign shares taxation without self-assessment return
I expect my sources of taxable income for the current tax year will be as follows:1) employment;2) DB pension;3) interest from savings with UK banks and building societies;4) dividends and capital gains from UK Reporting Irish-domiciled ETFs. My total taxable income will be considerably below the £150,000 threshold (it…
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Where to allocate bond ETF?
Although tax should not dictate investment strategy, and things may change in the budget, I would still welcome any views on where to allocate more gov bond etf based on current tax rates assuming basic rate tax. When income is eventually withdrawn from the portfolio then at present dividend income is the least taxed. But…
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Starting rate for savings - does tax free income from a drawdown pension count?
I have just started to receive payment from my private pension. It has been arranged so that £12,570 uses my personal tax allowance and the remainder is made up from the 25% tax free amount from the pension pot, so that I won't be paying any tax on my total annual income. However, as my total income will be more than…
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Delay in transferring Premium Bonds wins to my Direct Saver
How long does it take for NS&I to transfer Premium Bonds Wins into a Direct Saver My account is serious up to do this automatically I won a few prizes at last draw and the money has not yet been transferred into my Direct Saver
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St James Place customers
I know there has been much discussion on SJP. However, my 90 year old mum has been with them for years and likes and trusts her SJP advisor so would never change. However, my question is this - could the current claimants against SJP actually force them under, should the amount of claims exceed their provision? If SJP was…
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