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"The Save £12k in 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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Fund Suggestions for Junior ISA
Hi Everyone, Planning to open Junior ISA for son aged 13 with HL. Any suggestions on how to distribute £9k in few funds HSBC GIF Turkey Equity Class BC - Accumulation (GBP) Jupiter India Class X - Accumulation (GBP) Baillie Gifford American Class B - Accumulation (GBP) One from these two HSBC FTSE All World Index Class C -…
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Moving S&S ISA Same Year
Hello, I have maxed out my ISA this year 50/50 between S&S ISA and Cash ISA. I am not so keen on the provider for my S&S ISA. Can I sell my S&S and move the money to another provider this year? Also, same question but for cash ISA if I find a better rate if that happens.
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Which investments on Dodl pls?
Hello I am switching my LISA from a j bell to dodl due to charges (I can only afford to put in £25 a month). However I don't know which funds to get. In my a j bell LISA I have Lifestrategy 100 and also Hsbc global strategy the most risky one. In my normal isa with vanguard I have Vanguard Global All Caps. I know I dont…
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ETF domicile
Is there still 30% US withholding tax on dividends in ETF's domiciled in Luxembourg? So is it better if possible to have one thats domiciled in Ireland. I was looking at Amundi prime Global ETF has low ocf at 0.05% but domiciled in Luxembourg.
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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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New banks.
Hello. Are there any particular things you should look out for when maybe investing in savings with newer banks? I've been reading the "Streambank" Web page with regards to their fixed-term account but have never heard of them before. But there again, 95% of the banks/BS lve never heard of.
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RCI bank not in MSE 2 year accounts
The RCI bank 2 year fixed savings account at 5.05% is not in the MSE top accounts list. Does anyone know if there is a reason for this. Also I note that there a quite a few threads from a few years ago where people were dissatisfied with the account opening procedures and communication. Is there anyone who has opened an…
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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Help to save
My help to save closed at the end of April, it’s showing a nil balance however, I haven’t had any funds transferred to my bank account. I made sure the bank details were correct before it closed. Does anyone know how long it takes before your account is credited with the money pls?
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Ajbell transfer
I requested my ajbell pension transfer to ajbell from aviva ove 17weeks ago and dont have internation shares. Why is it taking so long , why? Anybody else had same experience?
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Cynergy Bank - bad login procedures
What a really rubbish bank, I've had over 25 savings accounts over the years and this bank has the worst procedures I've ever dealt with. To start with their app is beyond awful due to the bank's infuriatingly difficult and fiddly to use login procedures. I work in tech, so have a good understanding of how things should…
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Abbey Wealth - whats happenjng
I have been with Abbey Wealth for a while now and getting no luck contacting them or getting hold of my advisor. Anyone else having any issues?
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Wealthify refusing cashback
Hello all, I signed up specifically query this. I learned of Wealthify from a weekly MSE email in January 2023 which set out the £50 cash back offer. I signed up to take advantage of this. I had never heard of Wealthify and would not have signed up were it not for this offer, so am sure I followed the relevant MSE link. My…
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euro denominated all world etf
I'm think of changing my existing euro fund investment to a euro all world etf. My current holding history as i have a query regarding CGT, Initial investment May 2017 10k euro Guinness Global Innovators fund EUR Acc, adding another 5K eur in April 2018. This is invested directly through Guinness Asset Management April…
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VOTE now! Proposed take over of Virgin Money - Nationwide members should be given a vote
I'm really unhappy about Nationwide management running roughshod over their members (we the customers own the building society as it's a mutual), trying to push through a deal to buy Virgin Money. My quick take: * Nationwide management have proposed a takeover of Virgin Money * Terms of the deal have been agreed, but it is…
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Cheapest Lifetime ISA all world ETF
I want to start a Lifetime ISA. It will be very simple - one deposit of the maximum £4k each year, into a cheap diversified all world ETF such as VWRL. Who can I do this through with the lowest fees? Thanks.
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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Please help me understand why bonds might be better- or worse- than cash.
Hi all. I have been hanging around these parts for a few years now, and have
settled on the following asset allocation: 50% stocks, 50% bonds. EXCEPT that so far, I haven’t been brave enough to buy bonds.
The defensive, fixed income part of my portfolio remains in cash. My thinking has been this: A. As an individual,…
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Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
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What Should I Be Careful Of? - 12 Month Savings Account for Income Tax Money
Hi, I'm self employed and I want to store my income tax money somewhere until the end of the year when I need to pay it so I'm looking at various savings accounts etc. Is there anything I need to watch out for? Any red flags, things to avoid etc? Obviously I need 100% of the money back at the end of the year, so I don't…