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What to dox with 60k
Hi. I`m 63. I have a 20k cash ISA and 60k in a normal fixed 1 year savings account (matures in August). I don`t have a pension account that I pay into and am now retired living of a 5 year annuity paying 28k annually. I also have a guaranteed "fixed" pension "pot" with a maturity value of £412k with Canada Life (which I…
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Why are Building Societies so rigid on KYC
I applied for a YBS account a few months ago but although I have several open accounts with them that I was depositing to monthly and had had some closed accounts with them and have been in my current home for 50+ years and can easily check my position on TransUnion and Experian via apps with banks and credit cards that I…
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MSE News: NS&I launches 'British Savings Bonds' – but you can get better rates elsewhere
NS&I has launched its 'British Savings Bonds' – three-year fixed rate savings accounts first announced by the Chancellor in his Spring Budget last month. But they'll only pay 4.15% AER – a rate you can easily beat elsewhere. Read the full story: 'NS&I launches 'British Savings Bonds' – but you can get better rates…
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TSB Monthly Saver
I read from the TSB and MSE website that this account only gives 6% for the first year. If we had this account few years ago, are we allowed to open another one, with the hope of 6% interest rate per annum? Thank you.
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Tandem withdrawal delay
Anyone experiencing one? It’s been about 4 hours - usually takes less than an hour. I know they say it can take a day but never been that long for me
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MBNA (Lloyds) Savings Account
Following this website's guidance, I have just opened a fixed term (1 year) savings account with MBNA . I have not made a a deposit just yet but just wanted to confirm that this account is managed on the phone only (not online) and the account name is listed as MBNA Savings (and not in my own name as I presumed)? Is this…
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Saga shares
Hello all in 2018 I had 567 saga shares now apparently I have zero I've just emailed saga shares to explain it all to me in english but wondered if anyone here can explain. I don't understand any of it. Help
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How to sell shares?
I got some company shares years ago (have since left the company) but need to raise some money so want to sell them. I've Googled but I can't find a definitive description of HOW to do this. There are lots of links to Apps and Companies but nothing that tells me what the steps are and if I would even be eligible to follow…
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Quilter
Hi Just wondering if my Pension charges sound to high for a quilter via Pensionlite currently charging overall 1.45 % annually . Appreciate advice please
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Plum free £25 for saving £500 for 6 months.
Hi all, I've just spotted this offer on the homepage. Has anybody used a similar offer in the past? Clicking through simply takes you to the app store to get the app. I've installed it and created an account but there's nothing I can see relating to the £25. So I am assuming it is working via some sort of tracker / referal…
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Chase 1% interest boost
Received message open new savings account and receive 1% interest boost
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Transferring Income Tax allowance
Hi, I am not sure if I am posting in the right place, but this is one of the forums I regularly use and know there are some very knowledgable people who may be able to help me with a Self Assessment question. I am a normal basic rate tax payer with some pension income and savings interest. The savings interest is paid…
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Why did shares rocket during lockdown?
Looking through the last 5 years of many funds on Vanguard, so many had their share performances absolutely rocket around April 2020 onwards. Why was that?
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St James Place Claims
Hi I’ve had an ISA and Investment Bond with SJP for about 20 years. In that time the FA only contacted me twice for a review, I didn’t follow up the first contact, but did with the second one and got a phone call from him.I’m reading a lot recently and also today heard a radio advert that people can claim against paying…
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Investments in UK banks but now abroad.
I took out ISAs, fixed rate bonds and high interest savings accounts with UK banks last year. However, i have been resident in the republic of Ireland for the last 6 months. The investments are set to mature this year. Will my non-residence in the UK affect these investments? I have not informed the banks of my residence…
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Is Prudential New World Life Account Taxable?
Good morning everyone, I am hoping you can help me understand a policy l have. It was set up with the Prudential (now part of M&G) in June 1997 hence, the ambiguity. It has had various names but its current name is "World Life Account". Over the years, the value has gone up and down last year, the value only increased by…
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Selling shares listed on Amsterdam market
Can I ask for some recommendations, please? I need to sell some Shell shares that are registered on the Dutch stock exchange. For UK shares I use X-O but they don't seem to handle these. Degiro look okay and reasonably priced but don't get outstanding reviews, though good enough. Any experience with them - or other…
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Pension fund comparison
My employer pension fund has 25 bespoke pension funds offered by Mobius Life. I would really like to understand which of this funds meet my needs by calculating things like alpha, beta, sharpe factors etc and comparing them with their (fairly standard) benchmarks. e.g. the default fund says it limits the downside risk…
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Does Chase cashback count towards PSA?
Hi! With interest rates up, this year is the first time I'm having to watch my interest earned going over my PSA of £1000. My question is if anyone knows whether the 1% cashback on all spending that Chase offers counts towards this or not please? I did an online chat with them, and it was clear they didn't have a clue what…
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YBS withdrawals
Just wanted to say that YBS withdrawals even if actioned over the weekend reach your account the NEXT day even if it is classed as a non working day. Set up a withdrawal on a Saturday reached my destination account on the Sunday. Very impressed.