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Bond Fund
I'm considering the Mann Global Investment Grade Bond fund, managed by the highly regarded Jonathan Golam. It's a USD 5.6 bill fund containing 340 bonds that are a mix of government and corporates, the average duration is 5.6, the SD is 4.4 and the MS risk level is 33 - the yield to maturity is 6.7. These are short and…
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Financial Plans
Hi, I will be turning 18 soon enough and I want some specific advice over my current plan. I am not an expert and still learning the ropes do any help is appreciated. So far I will convert my bank account, redeem my child trust fund into it and transfer other savings my parents have managed into it. Open bank savings…
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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Any advice on which investment app to choose?
Hello all Over the last few months I’ve been doing lots of reading about investing to try and get a basic understanding of things. I’m now at a point where I’m about to open a Stocks & Shares ISA and start investing some money. Having looked at the websites of various investment apps I’ve narrowed it down to Vanguard,…
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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Cahoot ₩ can be logged in to
into? Is this a routine nightly thing like Principality BS? It's the same issue on both Windows and Android in that the message appears at the point you request the code to be sent to your phone How do you do a strike-through on an edit? (using Android)
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Large-ish transactions in Gilts / ILGs
I'm likely to be buying and selling some Gilts/ILGs soon. The amounts will be close to £100K type of thing. The platforms are Iweb & AJ Bell Is there likely to be much benefit pricewise in making as big a transaction as possible? As you can't see the settlement price on these I'm tempted to break them down into a few…
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Bad experiences with Cynergy bank app
This is just a heads-up to anyone considering opening a Cynergy bank account (currently featured in the top Savings Accounts listings), to say you might want to check other users' experiences before doing so. In my case it ended in a frustrating, bad experience and me abandoning my newly-created account in favour of a…
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Royal London STMMF NAV/Price?
Hi…. Anyone noticed that the Royal London STMMF hasn't updated it NAV/price since 6 May? It is not something I have noticed previously, so was curious if this is something that just happens periodically or is unusual?
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Transfer Sipp from HL to Fidelity
I am thinking of transferring my SIPP from HL to Fidelity and take advantage of their cashback offer. I am assuming there will not be any exit fee to pay HL? Fidelity states that the cashback will be paid 90 days after 05.04.2026, so I can leave after the cashback has been paid should I wish to?
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INTEREST PAYMENTS ON SAVINGS ACCOUNT
I opened a normal savings account with Cahoot in June 2025 (not ISA) with interest to be payed monthly. I still have this account. Will the tax man want the interest from Cahoot, for my PSA, each April? That is from June 2025 to April 2026….and then from April 2026 to April 2027 ?
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Good sound investment advise
My son turns 18 and has built up £25000 in his junior ISA which comes to an end on his birthday. Going forward can anyone advise what would be good sound to invest this money. We don't mind a little risk in investment.
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Multiple Regular Savers - maintenance
Hello, I've recently started my journey on getting multiple regular savers. I was wondering for a newbie (who is happy to be incredibly organised and can be), what would be the key information one would write down for each and every regular saver in their spreadsheet? (I tried searching the forums and I'm sure this has…
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FAO those that left HL
Right, thats it, sick and tired of HL now. I'm off. Was waiting to see how my charges looked once increased before deciding what to do with my SS ISA F & S account, cash ISA along with the wifes SIPP. Final straw was last week, wife withdrew a small sum £3K from a cash ISA, took 3 days even allowing for bank holiday to get…
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The Faster Payments Cut Off Times List
Welcome to this thread. The purpose of this thread
is to provide a regularly updated list of the cut off times for faster payments
made into the savings accounts offered by various banks and building societies
to begin earning interest the same day. Given the sheer number of banks/building societies
there's bound to be…
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Need help maximising savings
Hi all ========================================================================= UPDATE: Based on advice on here, and shopping around (not eligible for new customer rates with current top-paying providers as existing customer), thoughts please on the following plan: £87,400 (Trading212, Leeds BS & Moneybox ISA's) Transfer…
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Index linked savings certs renewal
The perennial question of whether to renew a maturing certificate. I'm aware of the new being locked in for the whole 3/5 years aspect. You can get savings accounts with higher rates currently, even factoring in a 22% basic rate tax, but only just. I am a basic rate taxpayer. I know no one has a crystal ball, but I'd be…
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Life insurance policy payout
Unfortunately I am looking to put a claim in for one of my parents who is terminally ill. The life insurance policy was written into discretionary trust with me and my sibling being trustees and also beneficiaries (50-50). The claim form has a section to enter bank details for the payout with just space for one account…
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Coop regular saver - can I pay directly into it?
Good morning - just that really, do I need to pay it from my co-op current account or can I pay from my Lloyds straight into the Co-op regular saver please? Thanks so much! x
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: LLoyds/Halifax ISA Cashback Offer question by jungleboy123
24 May at 11:14PM
