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Heads they win, tails I lose
Over recent years, most times when I have been out of the market when switching funds (one day) or moving funds from a Trading account to a wrapped account (T+3) the market has moved against me. This year I decided a wouldn't be caught so, since I have cash in an instant access savings account, yesterday I 'pre-funded' the…
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Advice/Suggestions for lump sum and regular side income
Good morning all! I've just gone through a seperation and sold a house and have a £5k lump sump. I also work two jobs in which I can live on my main income and would like to do something with me second income. This is around £500-£1000 a month depending on how much work I can get. I've searched the forum at other topics…
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Paragon via Raisin £50 cashback + £50 referral?
Hello, I understand I can get £50 cashback as explained here https://www.moneysavingexpert.com/content/mse/msecom/en-gb/content/overlay/raisin-savings-products/paragon-easy-access/ In addition to that, Raisin promises £50 to refer a friend (£50 for me and £50 for them). Is this the same offer or can I get £50 as cashback +…
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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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Close Brothers Savings website issues
Had a message to say I had a new document so logged into the website.That's as far as I can get,none of the options across the top will open,just get a spinning loading icon. Tried on windows and android,chrome and opera,all the same.Guessing then it's a website issue rather than specific to me. Anyone else having the same…
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Do you see any anomalies?
Hello everyone. Could you please give me your opinion on how well the portfolio is diversified (around 4400 companies in total) ? Is it heavy in some sectors and light in others as a percentage wise ( with view of the top 10 holdings in each sectors )? Does it make any sense for a not risk averse person, who won't touch…
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Monthly charges v annual charges
Matioli Woods have a deposit charge and then monthly charge for investing with them. Is this usual practice? I thought most investment companies made an annual charge.
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cgt payment on shares sale
I sold shares 23 April 2024, cgt due on profit. I want to pay asap, can I? If not, do I have wait til December 2025? Regardless, if I complete CGT forms and pay, do I still need to complete Self Assessment?
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Investing for Income
My wife and I have about £150k in ISA’s in various funds, Lifestrategy 100 and similar funds with other providers. I am starting to think about moving this money into funds which generate a monthly income. I seems that many suggest bond funds. I know very little about bonds but looking at some of the funds at the moment…
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Help retired couple with savings
Have been asked to help a friend with their money. They're a retired couple and want a no risk easy access option for their money. One of them receives approx £3380 a month from different pensions. They have an ISA each from last year with maximum £20k (£40k total) They also have 4 other pots of money in different bank…
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Premium Bonds Prizes?
Just interested in how many prizes people seem to receive with a full £50k worth of premium bonds? I know it's gonna vary but would be interesting to get some feedback on if it's worth it?
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How to cash a cheque made out in Thai baht
I have sold a property in Thailand. It appears due to money laundering issues all transactions must be paid by cheque in baht. However, I don't have a Thai bank account and as a UK national don't seem to be eligible to have one.There must be a way to resolve this . Ideas?
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Thoughts on S&P 500 Tech fund
Someone i work with has put about 1k in this fund without really knowing much about it or investing. Does anyone have or have ever invested in to this got any advice whether this was a bad idea?
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NS&I Direct Saver
I've opened an account (4/4/24) and am finding it impossible to log in. I'm due to have an inheritance and thought an NS&I account would be a good idea. I'm looking for opinions on NS&I and login issues. It seems crazy that in this day and age that I can't even log into the account - or is it just me? Thanks in advance M
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Vanguard FTSE Global All Cap Index versus VWRP
Looking to add to this year’s ISA and am trying to decide between the above funds. I want something that I can invest in and forget. Any thoughts appreciated.
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Best option of keeping cash over of 85K getting best easy interest?
Due to money events, looks like I may need to keep open difference bank accounts with no more that 85K due the compensation rules. I see NS&I only paying 3.65% However various other banks are paying 5% ish. Opening up multiple different bank accounts just seems so much hassle. I was aware there is the ability to just use…
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Your thoughts and advice on my financial situation
Good evening all, I’d appreciate your thoughts if I may, as I am approaching a sort of cross roads, I enjoy this forum there are so many wise heads with good advice. As much detail as I can as I appreciate it’s helpful. I recently turned 40, I have a modest income of circa £29k, am single with no kids. Currently pension…
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Halifax Bonus Saver (4.10% AER)
Good morning everyone, What is your experience with Halifax savings accounts? I’d like to open the Bonus Saver account (4.10% AER if no more than 3 withdrawals are made within the 12-month term) and have a few questions: 1. I already have a credit card with Halifax. Is it easier to open it as I’m already a customer? 2. Do…
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Joint accounts saving interest
Hi, How would like to know if hmrc are notified that an account is joint rather than have a single nominee. In the last few months I have opened some accounts with my spouse and I wonder if the numbers are added up from each individual self assessment at hmrc's end or if it would be better to notify them separately that…
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eToro withdrawal doubts
Hello, after ages of having some money in Etoro (about 900 usd) I have grown tired of it and I want to withdraw the money and try to pay as little withdrawal fees as possible. If I remember ok I deposited the money with PayPal, but I am not sure if I was asked to fund through debit card once. Question is that eToro won't…