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    Lump sum deposit

    Has anyone succeeded in opening a Deposit Account through RaisinBank ?
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    Purchase of notional service - should I receive tax relief?

    The amount allowed in any tax year is limited by what is allowed in pension contributions. However you can carry forward any amount to the following tax years.
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    Using a covenant to make the repayments on a Life Loan

    Covenant Great. But why should the rest of us subsidise the Children?
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    Life Loans are back

    There is always a conspiracy you were interrupted constantly and there was a dissportionate number of ad breaks whilst you were on.
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    Life Loans are back

    You cannot get a fair hearing or make a balanced point when you are going against the emotional narrative
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    Zurich vs Davy Prsa?(Near to the final decision)

    The Funds offered by Standard Life do not appear to be direct investments in Index Funds. There is a SID (Supplementary Information Document) rather than a KID (Key Information Document) ? Their Standard Life Vanguard US 500 Stock Index has ongoing costs of 0.02% (buying and selling...
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    Putting all savings in NTMA?

    0.59% on Savings Certificates where I have most of my money and no decent alternative investment regime
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    Where to get independent advice about public sector pensions

    AVC's is a term that was once confined to Private Pensions If you are in a Public Sector Pension you should explore the option of purchasing Notional Service
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    PRSA Iris Retirement Fund

    There is a distinction between Standard PRSA and Non-Standard PRSA. Yours must be a Standard PRSA, they are allowed under the Legislation to charge up to 5% on Contributions and a 1% fund management charge. DavySelect have a Non-Standard PRSA which has a 0.75% annual management charge, which I...
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    PRSA Iris Retirement Fund

    "there is a 3% contribution charge and a 1% fund management charge" I would dump that PRSA plan Setting up an Occupational Pension Plan would be to much for such a small employer
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    ETF Buy & Hold Strategy for 10k on Degiro - ideas

    I would be slow to recommend what you ought to do. 10k is not a large amount but an amount that could be put away and forgotten about for at least the eight year tax review. Whilst you might get the return you are seeking 12% to 15% is quite high. We all now think globally and be aware the S&P...
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    ETF Buy & Hold Strategy for 10k on Degiro - ideas

    SLMJ or VUAA for the USA SXRW for the UK VERE for Europe VGEK for Asia Pacific VWCE or 2B7K for the World These being the lowest TER and all available on DeGiro
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    Should I move from cash into the stock market?

    I am considering moving State Savings to Accumulating ETF's SLMJ or VUAA for the USA SXRW for the UK VERE for Europe VGEK for Asia Pacific VWCE or 2B7K for the World These being the lowest TER and all available on DeGiro
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    Pan-European Pension Product - any news on this?

    Regulation 2019/1238 is the legal foundation for the establishment of Pan-European Personal Pension Products. It lays down uniform rules on registering, manufacturing, distributing and supervising personal pension products that are distributed in the European Union (EU) under the PEPP...
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    New Sunday Times Feature - Diary of a Private Investor

    You all are to be thanked for your contributions. Which I read with great interest. I have decided after nearly ten years to go back into the market and have been working out an investment strategy. The past twenty four hours I have been considering diversification and number of shares one...
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    BCMS Problems

    After many hours at this I tried Internet Explorer (I had been using Mozilla Firefox). I suceeded in uploading and making payment. Hope now than my Commencement Notice is acceptable.
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    BCMS Problems

    I have to put in a Short Commencement Notice. I manage to get to the stage where I download the form and sign it. I then scan and save it as a PDF which I am required to do and upload. I keep getting the message that it must be a PDF document which it is and I cannot get any further. There seems...
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    New Vodafone Share Dealing Service - Sell 152 Shares or Buy More?

    I just got the material for Share Dealing in the post today. So I will have to sell them at a time when the share price is going down.
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    New Vodafone Share Dealing Service - Sell 152 Shares or Buy More?

    I do have the Share Certificate but I thought they were no longer valid. Have no idea what I have lost, prefer not to think about. I have not been sent any information and am wondering are others in the same position.
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    New Vodafone Share Dealing Service - Sell 152 Shares or Buy More?

    I have got no letter about this, they do not give the detail on their website. I have share in respect of myself 139, wife 139 and three children (68x3). Just want to get rid of them, I think share certificates are now gone?
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