-
savings interest split
Am I allowed to split the interest on my sole savings account with my married partner
-
NS@I 3 year Green Bond 5.7%
This actually looks vaguely competitive for once by NSI's standards. Does anyone know if the quoted interest upon the 3 year maturity is actually paid and thus quoted to HMRC upon 3 years, or do they report it annually like a lot of banks seem to? The rule is meant to be when you can "access" the interest, but it seems a…
-
Investment taxable as capital gain rather than interest, with capital guaranteed
Maybe I am looking for the holy grail of investments, I don't know. I've just moved abroad, sold my home, and I have a small lump sum to invest. With high interest rates I'm maxed out on tax-free interest so I'm looking for an investment where gains will be taxed as capital gains rather than income. BUT, I hate to risk my…
-
Alternative to II
As II are putting their fees up, are there any cheaper platforms? I have a stocks and shares isa and general account
-
Furness - problems ?
Anyone know if Furness Building Society has any problems at the moment ? Have been trying to phone them but only ever get music, despite holding for ages. Same at all branches and head office. Ted
-
New to investing + trying to decide on a few options
I'm looking to start my investing journey, and - after a bit of reading etc - have managed to narrow it down to tracker funds, but wondered if there were other ideal beginner options out there?. A few people have mentioned money market funds, but it seems the returns aren't much different to high street savings accounts.…
-
Cash ISA
I have a fixed rate cash isa. I deposited money into the isa within the first 30 days. I've recently inherited money from a relative so I was hoping I could add the money into the isa but I can't. I want to have all the money (existing money in the isa and inherited money) in one isa. The aim is to get a better return as…
-
Charter Savings Accounts - What Is The Seven Digit Account Number?
I am doing some flipping of maturing accounts and I am looking to pay into two Charter Savings Accounts. Reading the process I include Charters account details and it says my "seven digit account number". Having looked high and low all I have is 13 digit account numbers with the last 3 digits being the first 3 letters of…
-
Savings rates going down!
At a time where the BoE is continually putting up rates, and so are mortgage providers, why are bank savings rates now going down? I opened a one year fixed bond with Cynergy bank at 6.04% three weeks ago. Luckily it has locked at that rate, but I did want to open one for my husband a week later, and it had gone down to…
-
Short term saving
Hi, I live with my wife and 3 children at my brothers home who’s kindly allowed us to stay while we build up enough money for a deposit for our own house. The houses we are looking for are around £280k - £330k. So far we have around £100k by working 2 jobs each and also some inheritance saved up. We have 5 months before we…
-
Best savings or investment for the future for 3 and a half year old?
Hi what is the best savings or investment account I can start up for my three and a half year old? I know his grandparents have put money away for him but I am not sure if it is a junior ISA
-
Stocks and Shares ISA Strategy
I hold both Fundsmith (direct) and Fidelity Global Index (via Hargreaves L) as investments. Is it essential to regularly contribute to these can they be left passive?
-
Investment scams
Hi has anyone been contacted by QM Partners asking for money to get them money back from investment company’s ie Beaufort securities after compensation has already been paid
-
Access Bank, can somebody do the maths for me please?
I've got a bond with Access Bank maturing next month. They are offering me 3 renewal options3 year fix at 5%Grose AER plus £75 bonus2 year fix at 5.8% plus £501 year fix at 5.8% plus £25 I can have the bonus added into my new account, or returned to my nominated savings account. I'd most likely go with adding it to the new…
-
Childs age that you have to disclose what you have saved for them?
My child turned 16 recently. I have been saving into a childrens savings account but have never told them about it. At what age are you able to keep it from them or is it now time that i have to tell them. Thanks in advance.
-
HL Children’s Stocks Shares ISA
Hi there, Looking for people’s experiences or expertise, or advice where I can get this advice please. I have two children with a Hargreaves Lansdowne child stocks and shares ISA. Not mega bucks in but a few grand. Would it be a financial advisor to speak to for something so small? Basically I want to invest it for the…
-
ISA out of sync. Can I transfer?
I hope someone can help.... I have a 1 year fixed isa with virgin that matures 24th September. I have a second 1yr fix with virgin i funded this year that matures in May next year. Because they are our of sync I cant work out what I should do. Can I open a second new isa just to transfer the one that's maturing? If so…
-
Funds vs individual Shares
I’ve never been very successful with shares (I’ve either bought or sold at the wrong time or just simply bought the wrong thing so have tended to steer clear). I do have an investment ISA worth about 50k mostly via shares from my workplace (they aren’t that great either but hey ….). I will just keep them for the dividends…
-
Account Recommendations
I have just recently saved a house deposit, but have decided not to go ahead with a purchase for probably another year. The money is just sat here at the moment not accumulating any interest. I plan on adding to it monthly over the next year also. Can anyone recommend a decent account to put the money into where it will…
-
Asset allocation on unwrapped investments to minimise CGT
OH and I each have about £200k unwrapped which it will take a
while to move into SIPPs/ISAs. How would you invest it to minimise tax (assuming
basic rate through earnings or by maximising SIPP contributions to increase higher
rate threshold, with savings PSA used up elsewhere) if the options are: - Low coupon nominal gilts…