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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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Investments
Why choose investments bonds over GIA's
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Whitechurch securities Adventurous PF
Hi Back in my early days of investing I was taking bites out of lot of apples and i took a chunk £5000 at the above company adventurous portfolio. This was in 2000 and its current valuation has got back to a high of 4146 so I have decided to sell it and stick the proceeds in something else (not sure what yet) This PF has…
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View's please on holding physical Gold?
I would welcome views on holding physical gold, I.e. coins etc. I do realize that gold at the moment is at a very high price at the moment but I am looking into the possibility of holding some in the form of coins, Krugerrands etc. Any help in where/how to purchase, storing the coins, possibly selling them in the future…
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How to pay SIPP/ISA fees painlessly
I'm not fond of recurring payments - for anything - being taken from cash or credit/debit cards. Inevitably the time comes when the cash runs out or the cards expire and you're left with a default payment. I'm looking for a SIPP/ISA provider who 'provides' an easier automatic way of paying fees. As far as I can tell both A…
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Personal Savings Allowance
Hi Folks, I can't get my head around this and wondering if someone can clear it up as I assume it's quite simple. I note the personal savings allowance changes from £1000 to £500 if you are a higher rate tax payer. So if you earn 1p over the tax threshold for intermediate tax payers you lose £500 from your allowance? I'm…
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Your thoughts and advice on my financial situation
Good evening all, I’d appreciate your thoughts if I may, as I am approaching a sort of cross roads, I enjoy this forum there are so many wise heads with good advice. As much detail as I can as I appreciate it’s helpful. I recently turned 40, I have a modest income of circa £29k, am single with no kids. Currently pension…
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Purchasing shares worry
Hi all hoping someone can put my mind to rest as have got myself really worried giving personal info such as NI number and signing a w8-Ben form when opening an online app account with trading 212. I haven’t deposited any money yet but used the recommendation on the MSE website to use Trading 212 and then had a mad…
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Tesco Bank Savings application timing out
Tried a few times over the weekend to open a new Tesco Bank Savings Account, but halfway through the process it times out and shuts down. Tried calling them on Friday but the line just cut off. Used two different browsers with same end result. Anyone had any success with them in last couple of days?
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Children's Bonds - NS&I Scam - 1990's
In the early 1990's my wife and I invested a few thousand pounds from the little we had at the time in Children's Bonds for each of our daughters. Now they are in their early 30's and needing some funds for the next stage of their lives we decided it was a good time to cash in the bonds. It is not easy to apply for a…
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Cynergy app - cannot update personal details - have to ring up!!
Does anyone else find Cynergy's website primitive and unhelpful in certain areas? I already have a Saving Account and wanted to open an ISA so I clicked on the Fast Track application. All looked good, I pressed Ok and get a message saying my NI number is missing but there's nowhere to add it. It turns out you have to ring…
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Changing Shares To Joint Ownership
With the reduction in annual dividend allowance to £500 I'll likely have to pay tax on my dividends this year. So I'm thinking of transferring my shares to joint ownership with my wife to get around this. My understanding is that we'd then split the dividend(s) between us for tax purposes. Is that correct? I've not done…
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Bed & ISA
I’ve got shares in 3x companies, two running at a loss and 1 doing well. Over all I’ve got approx £7500 in value which I’m only a few hundred quid in profit. The shares are at a loss are £4200 and 500, the gain is £5000. The question I have is do the losses negate any possible CGT on the gain? when moving shares of this…
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Trustee bank accounts
Does any one have any up to date info/experience about this? I have funds for a discretionary trust I need to place as savings relating to a disabled family member. I am struggling to find a current account and savings account for it. Currently sitting in an account in my name as I don't know what else to do. I had high…
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Audit My Investments & Savings
Salary Current: £27,000 (£1,800 per month) January 2025: £30,000 Debt None Monthly Direct Debits £100 Age + Living Status 30 + With Parents Lifetime ISA £12,000 - £12,500 approx (invested in stocks) DODL Stocks and Shares ISA £4,250 Lloyds Stock and Shares Halifax Collective Investment Plan £700 (approx. Old account plan…
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Post office want deposit made by cheque!
I just opened a post office easy access account, and they requested my deposit be sent by cheque from my nominated account.Is this standard for everybody?I want to do everything online.Thanks.
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Pensions saving strategy - recent inheritance to invest
My partner and I are both 47 and hope to retire at 55. We each have a DB pension which is claimable from age 55 (protected) with an approximate 50% reduction. We also each contribute monthly to an additional DC workplace pension. We have no children and are both in full-time work and contributing to our pension schemes. We…
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Selling Vanguard Funds on IWeb?
Would anyone know how selling Vanguard funds on IWeb works around when the sale is priced and when the funds are typically available to re-invest please? I've only ever purchased on IWeb and usually the purchase has been priced the day of putting in the purchase order (assuming done before that days valuation point).…
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Principality BS timings
Hello, Anyone got any experience with principality bs? I got in on a 5% variable ISA with them. I cannot seem to locate an FAQ on how long their withdrawals take - if it’s more than 24h I might leave part of my emergency fund in another cash ISA that is instant. Also I have waited over 5 days for their activation code - do…
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Royal Mail Nominee Share Service
I'm trying to track down my Royal Mail Shares. Every time I log into the Equinity Sharesave portal it redirects me to my Abrdn share portal, which has my Abrdn (previously Standard Life) shares in it. Should my Royal Mail Shares now be managed by Abrdn? Many thanks in advance.