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Even the most seasoned investors are can feel nervous. We do our best to take your questions and share opinions and ideas from our voluntary network of financial professionals.

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What we can do is to share a general opinion or suggest where you can go for more reading or help.

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I am confused about financial services compensation: I have a SIPP and an ISA with AJ Bell Youinvest, and am about to inherit a sizeable sum. I am already over the £85,000 financial services compensation limit. Should I be worried? Should I set up accounts with multiple platforms, to be covered by the compensation scheme?

Emma | London | 22/07/2019 | 3

  • Private Pension
  • Stocks and Shares ISA
  • Cash
Anna Sofat's Response

My brother is 17 and I have instilled in him to save. He puts £40 a month in and 10% of what he earns. I want him to save for short term and long term. What are the best accounts for him?

Christine | Birmingham | 19/07/2019 | 2

  • Stocks and Shares ISA
  • Lifetime ISA
Pete Matthew's Response

I am torn between investing in my ISA, and putting money into a personal pension. I know about pension grossing up, and the 25% tax free cash. However I will inevitably pay tax on the 75% which is not tax free. Whereas with the ISA, I don't get the grossing up benefit, but won't pay any tax. What do you think?

Christopher | Staffordshire | 18/07/2019 | 3

  • Private Pension
  • Stocks and Shares ISA
  • Lifetime ISA
Helena Wardle's Response

I'm thinking of moving into a drawdown SIPP, taking my 25% and leaving the rest invested until I need a regular income in my mid 60s. I am trying to find a financial adviser willing to review my plans, but they all want an ongoing relationship. Where can I find an adviser who will do a one off review? Also I am unsure whether financial investment protection is per fund or per SIPP.

Susan | London | 16/07/2019 | 17

  • Private Pension
  • Pension
  • Workplace Pension
Catherine Morgan's Response
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