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Premium bonds - timing of purchase
Can you buy premium bonds just before a draw and still be entered into that draw or do you have to have made the purchase a specified period before the draw. I’ve tried to check this on the NS&I website but couldn’t find anything on this point.
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UK Funds
The focus of my investments is global rather than UK centric but up to 12% of my equities asset allocation is allotted to UK funds. I currently hold 24% of my portfolio in a FTSE Global All World Tracker, along with other funds that have minor investments in the UK. The total of those things means I currently have only 6%…
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Octopus EIS
I invested in an Octopus EIS just over 9 years ago. As a tax saving vehicle, it was very effective. It has also shown reasonable investment performance. Over the last few years, there have been a number of sales and consequent cash returns to me, but nothing for over a year now and there is still a significant amount of…
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Investment £50 per month
Best place to put £50 a month away into with the view of long term placement. also if you could provide a platform to use I would appreciate it. I am not interested in digital currency or vanguard as I can only do at most £50-£80 per month funds only please
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Investing 200k for 18 y o
Looking for suggestions on how to invest an inheritance. Timeline of 7 plus years; the aim is to have funds to put towards property. Planning to take loans for uni and parents (us) will top up the minimum loan. We already have a maturing Junior ISA which is split between Vanguard LS 60, 80 and a global tracker, and…
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Transfer of existing Cash Isa to a better paying Cash ISA with the same provider
I have just tried to do this with a Cash ISA I have with HODGE Bank and they won't allow it, although I could transfer my Cash ISA I have with them to a different provider. The reason given is that a new cash ISA would need to be opened by them to transfer into (exactly as would happen if I transferred to another…
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Collective Investment Bond
Hi there We have held a Quilter (previously Old Mutual) Collective Investment Bond for the last 6 years. This was recommended to us by our financial adviser as we had maxed out our ISA allowance and have reasonably healthy pensions. They were sold to us as a tax efficient way to hold additional savings. I think this…
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CHF to GBP
I hold shares with EquatePlus on the SIX Swiss Exchange in CHF. Previously I got EquatePlus to sell the shares and transfer the payment in CHF to Fineco where I then converted to GBP. Now Fineco are closing I am looking for the best alternative. I have two options: 1) Sell shares with EquatePlus, and either get EquatePlus…
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TANDEM APP SECURITY CONCERN
I've just opened a Tandem APP based savings account and put a small nominal amount to to make sure it worked. I have never come across an APP like this before. It doesn't have a username, password, PIN or any security questions. I open the APP and a 'log in' comes up, I press that and a message comes up to put my mobile…
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US Dollar Savings Account
Greetings to the forum. I have a Barclays USD account to receive monthly USD payments from abroad. I'm looking for a USD savings account here in the UK that pays good interest. Does anyone have any experience with this or have any recommendations ?
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Approaching 30
Approaching 30…some financial investment advice needed Stocks & Shares ISA £5k in Lloyds Banking Group Shares i invest between £50-100 a month in this company appreciate risky but I bought low enough that even marginal rise of day 10p would be a nice earner. Also like th dividend :) LISA £6.5K held in DODL LISA i invest…
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Great Companys
Hello you very wonderful and intelligent people that make up this forum, i sincerely hope things are going well for you. I have continued to learn about value investing this year through books and courses. I am extremely grateful to the amazing people on these forums who have answered my questions, you are all wonderful. I…
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Best Invest Cash Back
Best Invest are offering, what appears to be, a generous cash back deal. If you transfer an existing fund into Best Invest you get up to £1,000 cash back. does anyone have any views on the deal?
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How to tie up £50k?
Any recommendations on which type of account to tie up savings? We currently have some money tied up in ISAs where the decent rate has ended, some in Premium Bonds and the rest in current type accounts which aren't great for returns. We have around £50k. We'd like to tie up most of the money for 12 months and a small…
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Barclays Blue Reward
I've now reached the position that my blue rewards saver is my lowest interest rate easy access. So in order to maintain my payments to my remaining regular savers (@ +5.5%) I need to empty my rainy day account.When and how is it best to exit blue rewards? Is it best to close on the second working day? or does it matter?
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Should I close my Help to Buy ISA?
The long and short of the below is: Should I transfer my money from Help-To-Buy into Easy Access Saving? For context... I recently signed up for the 5.2% Santander Easy Access Saver (thanks Martin and team!). It's an amazing account and I am currently in the process of moving over and consolidating as much of my savings…
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Tax Form Question
Hi all, this has probably asked many times before. I hold VLS60 income units, should the yearly payment be classed as an interest or dividend payment when entering it on a self assesment form? Many thanks
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Investing for my daughter’s future
My four year old daughter is set to inherit around £30,000, and we’re very grateful on her behalf of course. With her entitlement to £9000 in an ISA being less than that of an adult (and even that is less than £30k), we’re unsure how to invest this wisely on her behalf. We’d hate for her to decide at 18 that she wants to…
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Workplace Pensions - why are some so 'bad' and others not 'bad at all'?
I use those terms loosely so don't hang on them. The reason I ask this is because I don't think that my workplace pension (Now Pensions) does well at all. I keep tally of how much of my own money has gone in to it (so my 5% of the monthly 8%) and the balance doesn't appear to be a whole lot more than my own contributions -…
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Income tax - NS&I Guaranteed Growth Bonds 6.20% gross
Hello All, Please excuse my ignorance with this, but I am not sure how things work. I have been reading about the NS&I growth bond which I am keen to set up. As the interest with ISAs in High Street banks has been quite poor, my savings are currently outside of an ISA. Once I have the NS&A bond in place, if I go over my…