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Ulster bank limited edition saver. ADVICE
Thinking about my Ulster Bank Limited Edition Saver! 🤔 It started with great interest, but now it's at 4.17% with a £5,000 minimum. Is it still worth it, or should I explore other options? #Savings #Banking #Money
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Shares in Telewest Communications Plc
Hi, I have a shares certificate dating back to 1997 for Telewest Communications plc. I cannot find the registrar to see if they are of any value, does anybody know who the registrar is please. Thanks. P
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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SIPP investments during market upheaval
I've just opened a SIPP with AJ Bell. I did this mainly for tax reasons (sole company director), and NOT because I know what I'm doing with investments. I'm relatively comfortable with the general advice out there for portfolios, and I'm ready to push the button on a core holding in a tracker fund. However, the current…
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Unrealised gains v Total Gains
Hi all. Can someone please enlighten me. I have a big difference between these 2 figures. I have only been doing it since Feb 2026 98% of my money is in vwrp acc. Wondering why I have such a big difference? I have never sold anything, had 1p in dividends from a stock. Not sure if i would have had dividends from vwrp as…
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Savings Goal
Morning all I have a savings gosl of £10k, been saving for a couple of years with BoS earning 2.72% monthly. I would rather stick with BoS as they are local and I can pay cash in when I need to. I also don't trust the online only accounts. Maths aint a strong point. Would it make a massive difference in a 5.50% monthly…
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Hanley Economic BS Passwords
I recently opened a Hanley account, mainly to make use of it's DD facility into a savings account as there aren't many of these left. Finally received my user ID through the post and tried to log on but without success. I eventually worked out that the maximum password length you can use in online banking is 12 characters.…
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Nervous about using flexible ISA to maximise savings interest
Hello, I’ve been a self employed sole trader for approx 20 years. In that time I have been frugal and paid any spare funds into cash ISAs. I am now looking to wind up my business (since the pandemic it pays very little) and live off of the ISA interest. I want to put some of my ISA funds into a flex ISA and then withdraw…
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Investment Planning
(moved from another board to here..) I hope this is the right place to ask for thoughts on how to plan my investments. I am trying to have a diverse asset allocation while keeping it simple (eg hold 2 funds) but at the same time not putting all my eggs in 1 (to 2) basket, but I feel I am going in circles. Background…
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Savings Account in Joint Names
Hi, I have a joint savings account with my wife. I am a 20% taxpayer with all income from pension drawdown. My wife is a non-taxpayer, and drawdowns £12k per year from her SIPP. I am trying to understand how this works with HMRC as I believe that I can receive up to a £1000 per year in savings interest tax free. My wife as…
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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
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ISA confusion with Tembo
I have an easy access ISA with Tembo that I invested £20,000 into last financial year. I now want to transfer it to another provider, Barclays. Interest of £838 has accrued over the year. I'm not sure what I should do next and Tembo aren't being very helpful. I asked them for instructions on how to withdraw the interest…
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Manchester Building Society
This company came up on a site as having a decent interest rate for a fixed ISA. I've never heard of them and I'm from Manchester. Has anyone ever used the company?
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and…
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Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
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Oil prices & likely inflation - should fixed rates be avoided?
Just wondering about this. Seems likely that the inflation will rise more than expected this year due to the oil/Iran situation. Just wondering if fixing an ISA at say 4.5% may turn out to be a bad move? What are people's thoughts?
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Bit of help would be great.
Hello, I’m 40 years old and would like some advice on whether I’m doing things right or wrong. I have a mortgage and a workplace pension, which I currently contribute 7% to, with my employer contributing up to 5%. I’m planning to increase my contribution to 10%. I also have £18,000 in a Prosper ISA and no other debt apart…
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Help? ISA transfer out from UBL UK
Hi. I'm asking here as I can't find this info anywhere else and UBL take 3 business days to reply to my question. I have a ISA with UBL on fixed rate until 7th April. I'm completing the form with another provider to transfer my UBL ISA to them after 7th April. I need to complete the sort code and account number of the UBL…
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