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Nationwide Triple Access ISA maturing
Hi My Mum has a Nationwide Triple Access Cash ISA which has a maturity date of 19 Jan. She received a letter saying that it will become an Instant Access ISA at the maturity date - obviously with a much lower interest rate. When it gives her the options of what other accounts she can open instead, the triple access ISA is…
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Safest place to invest
Sorry if it’s a stupid question so please be kind. I have most of my retirement money in a savings account with the post office I’m just wondering how safe it is, with all the negative press and they are bankrupt should I look at moving it.
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Best way to save money from house sale
Hi all, just a quick question, we have just sold our house and have around 80k left to put into some savings for now until we buy somewhere else. Probably be at least a year before we do, I've looked at a lot of different saving accounts but im currently a 40% tax earner so wondering if something like premium bonds will be…
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The bond/gilt market
There have been some interesting things come up in other threads so I thought I'd put something together for general discussion. In order to understand the stock market, it is incredibly useful to first understand the Bond market. Why should I understand bonds?Both bonds and stocks are two of the main investment option…
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Share save maturity
Share save maturity best course of action I've got a share save maturing in a few months, it's not huge amount projected to about 4k. Just trying to figure out my bets bet for my saving. My main idea is to transfer into stock and shares LISA to get the additional 1k bonus but not sure if that the right course of action end…
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Junior ISA
We decided early on that I should invest for the Grandkids through Mum's ISA since she did not use all her allowance every year, and would have some control over spending. It is doing ok and now I want to open a Junior ISA for both kids on a 10 year timescale with smaller amounts which would come in useful for university…
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Investment Advice??
Hi guys. I know a lot of people will be looking for the golden egg in terms of making money but all I’m after is some decent info or advice please. I’m not getting any younger and the fact I’m self employed I don’t really have a pension pot for retirement. I have two pensions going which are very small due to not paying…
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🤔 Financial Planner or No Financial Planner? 🤔
Hello All 👋 I recently met with a financial planner after only ever saving in standard current/reward accounts in my life (I’m in my early 30’s. They offered a 3% fee on investments. I’m currently saving around £2000 per month and have savings of about £150,000 that I want to do more with. I do need to spend about £70k of…
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best trust fund that allows transfer of ownership
Hi I'm after some advice, I've been tasked with setting up a child trust fund as my role as an executor for a deceased family member. my instructions are to set up the fund and deposit the inheritance. after that, I would like to transfer the ownership of the fund to the child's mother. I'm unable to just give the mother…
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Declare Dividend?
Hi, My wife currently earns around £9000 and will receive dividends of around £2500 next year, making a total income of around £11500. The dividends are above the dividend allowance but the total income is below the personal allowance. Will she need to declare the dividend income to HMRC? Thanks for your time.
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S&S isa options - money out and into new account?
Hi all, I've had a vanguard S&S isa for 4 years This year I've put in 3k into it I believe I can open a new s&s ISA (because I haven't opened up one this year) but I can't put money into it until April I am wondering if there is any wiggle room.. if say I took the 3k I put into my vanguard this year out, that counts as no…
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Time to cash in our private pensions?
Good evening & happy New Year to all! I have a private pension with AFH wealth management of £148k, my wifes is worth around £25k. We have another property(no mortgage) that we let. We have savings accounts with around £15k. We are retired aged 71 & 69 with reasonably good health, no mortgage or money owed, no dependants.…
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Post office growth bond
If anybody is thinking of applying just add freepost to the addresd
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YBS login issues anyone?
Don’t appear
to be able to log into YBS this morning, have attempted online and via app.
Anyone else having issues?
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NS&I 4.00% Guaranteed Growth Bond and 3.97% Guaranteed Income Bond
National Savings has just launched a one year fixed growth bond paying 4% and monthly income bond 3.97% (AER)Might be of interest to somehttps://www.nsandi.com/guaranteed-returns
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Personal injury trust bank
Hi, I hope that I'm putting this in the right part of the forum. This is a question on behalf of my sister. She was recently awarded a sum from a medical negligence claim and was told that she should open a personal injury trust to protect her disability benefits (a disability that is a result of the medical…
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YBS Fixed Rate ISA gotcha
tl;dr - I can no longer deposit into my ISA after only having it a month or so, and I should have read the ts and cs. This is just a warning to anyone looking at YBS fixed rate isa's. I took one out in November and then set up a standing order to pay a monthly sum. This was fine for December but in January my payment got…
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Premium Bonds and the post office Horizon scandle
Does any have any views on how the worsening corruption of the post office will affect the safety of premium Bonds. should I take the out asap before the the full extent of the corruption, lies and deception is revealed?
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Bond Maturity Dates ?
Hi, I am 64 years old, had to retire early. I have an AJ Bell Sipp Portfolio. The Portfolio is a little light on Bond Funds, so I am looking at increasing the bond allocation by investing in a bond fund. I want something like a Vanguard tracker which is passive. I already have VLS 80 Due to my age. I wish to dip onto the…
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Premium bond results - Query on bond distribution
I've read that approx 50% of big wins go to those with maximum 50k holdings. does anyone know if this is 1 holding of 50k, or many smaller holdings totalling 50k?