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Octopus Money Pension drawdown question
Hi, I was hoping someone has an Octopus Money Pension they are drawing down on so I could check if they have had a similar issue to me. My pension was with Candid Financial who sold the business to Octopus Money a couple of years ago which meant my pension was transferred to the platform Octopus use which is Plannr. No…
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Why is CSH2 outperforming SONIA?
So based on the data I have over the last 6 months, SONIA has averaged 3.76% annualised. If CSH2 was tracking it accurately, I'd therefore expect a 6 month return of 1.88% before charges. Instead, Trustnet is telling me that the actual 6 month return is 2.0%, while Freetrade (where I have my largest holding) says it's…
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Heads up - new Zopa App on Android Version 2.0.3.11970
For info, when I went to sign in to Zopa, I had to supply email and password, then create a 6 digit password. They have upgraded the app, which I now remember they informed me about by email not long ago. Going to be another learning process to remember where everything is now, but it's ok, am sure I'll get the hang of it.
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Platform Suggestions Please
The wife and I have cash savings in joint accounts and ISAs. Currently we have 5 joint cash accounts, one variable easy access, the other 4 one-year fixed rates maturing on different dates throughout the year. We have 7 ISAs each with 5 providers all fixed rate 1 year accounts. Nineteen accounts in all. (joint taxed £550k,…
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Savings account with card access
I wonder if anyone has any recommendations for a savings account for my elderly step-mother in law. Father in law has had to go into a home due to dementia. She has a couple of small ISAs but wants to move this so that she can have a card to access the money if she needs to pay some bigger bills as she will no longer be…
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OEIC Accumulation Fund CGT base costs
I have held an M&G Asian Fund Acc for several years. I know the original base cost and I have a record of the dividends, equalisation (always £0), and 'Tax amount'. To get the base cost, do I add up the original cost and each of the dividends? Do I include the 'Tax amount'?
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Investment as booster while I share-to-buy
Hi Everyone, I'm new to the forum and to the territory, so please excuse the lengthy introduction. I am still trying to narrow down my options here. I'm coming into a fairly life-changing sum of money (£100,000 - £125,000). I currently rent on London and have no other significant savings, so this figure represents my…
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Skipton B.Soc Privacy policy email
Received an email from Skipton BS today telling me about their updated privacy policy.In particular I note that · We will securely share
some basic information about you (such as your email address) with our
carefully chosen advertising partners, plus social media companies. NO - you will NOT be sharing my email address…
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Tembo Homesaveer - FSCS Protection
Hi MSE > Easy Access Savings > The Tembo Homesaveer* account pays 4.55% …. FSCS protection: Deposited funds in the HomeSaver are held in a 'client money' account, separate from Tembo's own money with Lloyds Bank. This is a fully regulated UK bank and therefore covered by the FSCS. When I select the link "Tembo Homesaveer*…
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Skipton problems with deposits today?
Anyone having problems with deposits to Skipton savers and accounts this afternoon? I sent money at around 4pm and still I can't see the deposit in my member bonus saver. Strange because Skipton is quite often very quick. Anyone else in the same situation?
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2nd job savings
so I am saving for a house move (date to be decided maybe anything from 6-18 months from now) I want to save all my money I have taken from a second job. Approx £600-700 per month. I am looking for advice. Current mortgage deal is 4% with 11 years left. Currently have an investment Isa and monthly saving accounts with…
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Anybody else finding it impossible to save money at the moment?
Pretty much as per the title really. Since I bought my house in 2022 I have not been able to increase my savings at all, there have been periods where I have had larger amounts of money in my savings account but then besides the usual household bills (mortgage, energy, nursery, water etc) every few months something always…
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10-year cash bridge to fund a longer-term retirement (tax/portfolio structure)
I'm hoping to get a bit of a sanity check on a plan I'm putting together, and I want to make sure I haven't missed anything obvious. I already have a thread running over on the Pension board looking at the specifics of the NHS pension scheme, and the replies there have been brilliant. I’m posting this new thread here to…
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Cahoot SDS upgrade
One of my SDS is due for renewal in about 10 days. If I were to renew today, would that mean all future interest would be paid on the 25th of the month, rather than the 6th, which it currently pays on? Also, I have a few SDS's, all paying interest on various days of the month, which means I have to log in a few times a…
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Where to invest £100k today?
Hi I have £100k cash to invest, I have used my 2026/27 CISA allowance. I am 65, have 2 fully paid properties rented and not in the mood or energy for more. I have investments managed by institutions/banks doing OK not much above banks interest rates. Banks are paying now around 4.9% for 1 to 5 years fixed rate bonds. I've…
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Selling Company Shares
I have company shares since over a twelve yr period.I have been retired for 4yrs. How much of these shares can I sell without paying tax in a year. I have a company pension that I pay tax on.
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Nationwide 5% 15 month Members Bond
Just seen this on Nationwide's website. 5% Members only 15 month fixed rate. Max £10k
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No landline phone and financial institutions
Just wondering if no longer having a landline is likely to cause problems with applications for accounts where the landline is a starred, must be submitted box. Has anyone without a landline had problems? Also if you’ve gone landline free have you contacted all existing institutions you have accounts with? That could be a…
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MonBS AGM (from Reg Saver thread)
Post by @Chaykin BS AGMs: Having so many accounts with various BSs inevitably means a lot of AGM correspondence - mostly via email nowadays although I have received one from Monmouthshire BS in the post recently. I tend not to bother voting etc. unless there's a prize draw or they say they will pay charities for voting.…
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II customers - when you sell a fund when is the cash available to buy another?
I have a self-managed ISA with II which currently has four active funds in it totalling around £300K. I'm (still) looking at moving some of those funds to passive equivalents. My passive ISA with II is in their Managed ISA which is a separate account in II terms, and to move money to it I would have to sell in the active…
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Most recent: Cash ISA + Cash Lifetime ISA … by eskbanker
12 August at 4:54PM
