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  1. R

    DEGIRO no longer allowing to buy uk trusts

    Sorry for spamming this topic, one last post which I feel is relevant. It seems that Trading212 holds your shares on IBKR (Interactive brokers) if I'm understanding this correctly. From "https://helpcentre.trading212.com/hc/en-us/articles/360008702918-Do-I-own-my-shares" it states: " Where are...
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    DEGIRO no longer allowing to buy uk trusts

    Not impressed with IBKR at all, horribly slow interface. In fact the interface seems to be in dire need of modernisation, it seems to be very dated in layout. Annoying things too, I wanted to set up a repeat investment monthly but was told I wasn't entitled to invest!, yet I definitely am, I...
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    DEGIRO no longer allowing to buy uk trusts

    Decided to go with Interactive Brokers for the rest, seem to have the best reviews online. It's going bust coverage is even worse than T212 but its a very profitable business with a huge user base so risk seems small, thoughts? "Certain securities positions and cash are held with the US...
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    DEGIRO no longer allowing to buy uk trusts

    I've been in cash for about two weeks now as I think the market is toppy (i know, i know..), plus I wasn't happy with Degiro and was thinking of moving anyhow. Another grievance is that your money is sitting there getting next to nothing on it as interest. So, it didnt take much once I saw the...
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    DEGIRO no longer allowing to buy uk trusts

    Trading212 has both (and many more IT's) but is only guaranteed to €20,000 outside the UK but has some other insurance above that but i imagine you would be a while seeing your funds in that kind of scenario. Trade Republic and Lightyear have better guarantees but much more limited selection of...
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    DEGIRO no longer allowing to buy uk trusts

    I see JAM and ATT are not available anymore either, time to abandon Degiro, sick of this messing.
  7. R

    41% tax on ETFs? And what are the alternatives?

    JAM - https://markets.ft.com/data/investment-trust/tearsheet/summary?s=JAM:LSE is an IT which is comparable
  8. R

    CGT gain, previous loss and personal allowance on stocks

    Thanks Gordon, was afraid someone might say that!
  9. R

    CGT gain, previous loss and personal allowance on stocks

    Cannot seem to find clear documentation on this so hoping someone can clarify the treatment of this. For symplicity, say I have €1000 losses selling shares last year and submitted that to revenue in October and no issues with that. This year i've been lucky enough to make €1000 selling shares...
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    Looking for advice on Investment Trusts vs ETF's

    Past performance and all that..I'd argue JAM - JPMorgan American Investment Trust (available on Degiro) is a more reliable IT performer over most time scales. Charting all these IT's and BRK.b over multiple timescales from 1 year, 3 year, 5 year and 10 , JAM seems to be a consistent performer...
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    Under 8 years left on mortgage - any point in switching?

    So we got approval in principle from KBC but my oh my the list of documentation they want is longer than the first mortgage! In addition, my wife just returned to work as our kids are older now (as a health care worker) so is in a probationary period still but pretty much safe as houses and we...
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    Under 8 years left on mortgage - any point in switching?

    Thanks Brendan, was thinking of doing that alright. One other thing the lady on the phone suggested was changing the term from the original end date to the one we are planning for now. I didn't really understand why that would beneficial to do other than it would change the base/original payment...
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    Under 8 years left on mortgage - any point in switching?

    Also applied to Advant online and was appoved in principle, and spoke to one of their brokers, he advised with solicitor and valuation fee's its not really worth it for us (was looking for a six year mortgage). Lets see what KBC say next, not sure if we want the hassle of valuations and...
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    Under 8 years left on mortgage - any point in switching?

    I have submitted an application to KBC now, lets see what comes of it. If they won't bite or there isn't anything better then we probably will re-fix for 5 years from now at the higher amount which will take us near the end of it anyhow.
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    Under 8 years left on mortgage - any point in switching?

    That limit is only for overpaying a fixed mortgage. The workaround is they put you onto variable for a week at whatever payment you wish (there is no variable overpayment limit) then switch that amount to fixed. So theoretically you are not overpaying any longer.
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    Key Post Switch or re-fix my mortgage? Breakage fee calculator and savings estimates for your case (Ireland)

    Hi Paul, Is it worth our while switching? Current lender - BOI Outstanding mortgage balance (how much you still owe) - 112K Approximate value of your property - €450k The date you started your fixed-rate mortgage (month and year) 10/07/2020 How many years you fixed for - 5 Your current...
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    Under 8 years left on mortgage - any point in switching?

    Thanks guys very helpful advice. I spoke to a very helpful lady on the BOI phone this morning. If I were to break my current fixed term she said the fee currently for me would be €0 She could offer me 2.9% fixed for up to 2 years only. I could change the amount I'm overpaying by breaking the...
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    Under 8 years left on mortgage - any point in switching?

    Our mortgage with BOI has €112K outstanding and we are paying €1400 pm @ 3% fixed (two more years left to run on fixed rate) with 89 months left according to one of the online calculators. The original maturity date is January 2037 which is what the BOI...
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    Increasing contributions V AVCs

    Yes that's the plan exactly, thanks again.
  20. R

    Increasing contributions V AVCs

    Thanks Liam, that's useful to know, I'll follow up with the pension provider on the mechanics of it.
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