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To me it's not worth Zopa or Ratesetter, apart from teh bonus at the latter, as the rates don't reflect the risk. I've just topped using Savingstream, and utilise money thing and Ablrate, which are secured and generally offer around 1% a month. Still risk but very different to unsecured lending and ...

“ Was advised to salary sacrifice some time ago, but the rules of our pensions were not explained. Had built up £96,000. Now discover that what you can take out in cash is equivalent to 25% of your total pension pot. For us that means we can take just over 50k in cash but have to use the rem...

“ Really sorry to hear of your diagnosis. I understand how difficult dealing with these issues are at times like these, but it will reduce your stress in the future. I am an IFA and I will say in this instance you really need to take professional advice; differing pensions have differing poli...

“ Yes I started with Nutmeg Via Quicdo last year, and save about £250/month. Gains are around 12% in that period. Obvioulsy in a rising market gains were always going to be healthy. However because its managed when it dipped during brexit a large gain was made by them transferring investment...

“ If its over 20 years I would consider a balanced spread of investments: Troy Trojan Income CF Woodford Equity Income Marborough Multi-Cap Income Newton Global Income Make sure you go for the lowest cost options for each of the above where HL have negotiated a discount with the Investment Co...

“ bigadaj I'm not sure I understand your questions. If only 20% of Alphamare's assets are investible, I can understand why they may be hungrier to take investment risks- the overall consequences of a poor outcome are not as severe for them. The consequences of a good outcome would be that inv...

“ If its over 20 years I would consider a balanced spread of investments: Troy Trojan Income CF Woodford Equity Income Marborough Multi-Cap Income Newton Global Income Make sure you go for the lowest cost options for each of the above where HL have negotiated a discount with the Investment Co...

“ The clever part is that they have two mailing lists, and they tell one half of their mugs to go long and the other half to go short, which means that they are guaranteed that with any given bet 50% of their client base will be happy. Which, while not high enough for the mugs to make money (...

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