-
Advice please with a Clerical Medical Distribution bond.
I have held a Clerical Medical Distribution bond since 2001 with a opening value of £20K, it current value is about £24.8K, I have taken several with drawls of £1K, on the last with drawl I had for the first time pay tax on the with drawl. I would welcome advice on a few issues with the bond. 1. Is it a good investment to…
-
Aldermore Bank Question
Opened a Regular Saver earlier, had an email with account details on, what I find strange is the email says they are going to send my Customer ID in a separate email. Any idea when that email is going to turn up? 🤔🙄😏
-
Why use CGT allowance
Hi I have approx 30k in GIA made up of shares and some funds with HL. I dont need to realise the money this would give me so why use it. Everywhere seems to tell you to use your cgt allowance but what if you don't need to or think you need to. What do people do if they sell to avoid building up another cgt liability. Can I…
-
Gifting property
Apologies this post may be in the appropriate category Would very much appreciate some advice please, my wife and I have lived in the same house for some 30 plus years its now our intention to gift to our daughter, and vacate the home . Property has a value of aprox 900k, however when originally purchased for some reason…
-
Higher fees for investors without intermediaries
Hi everyone, I note that there are some investment products that charge higher fees for investors without intermediaries/advisers. For example, the Octopus Investments AIM ISA has the following fee structure: If investing through an adviser: - Initial charge: 0% - Ongoing annual fee: 1.5%+VAT (Obviously you'll pay fees to…
-
Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
-
Pick an account now, or wait for new tax year?
I have a 2 year fixed rate account about to end, and I was wondering if it would be best to open the best account I can find at the moment, or wait a week to see if better account are available in the new tax year. Does anyone know what usually happens around this time, or is it totally unpredictable?
-
Algbra app not working
Hi all, I wondered if anyone else is experiencing the same. I try to click on the app and it glitches and shuts down. Got friends with the app who are saying the same. But I can't find any help on the matter - have tried reinstalling and have emailed....have they gone bust? TIA x
-
Help to Save
Hi! This is the discussion thread for the Help to Save guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
-
Robinhood Launches in UK, thoughts?
Title. Is it the best option for small retail UK investors?
-
5.5% childs savings account clarification
I have a son, 6 years old and opened a bank account for him with interest rate of 5.5%. Is there a personal allowance for him £1000, only if money doesn't come from me? Thanks
-
Phoenix Life - Surrendering investment
I have an investment with Phoenix Life named Investors Choice. Type of policy is - Whole Life Unit Linked I have sent the surrender documents to Phoenix Life over a month ago but have not received the funds yet. Have contacted the company who have escalated the surrender a few times but have still heard nothing. When I…
-
NSI Guaranteed Income and Growth bonds back
Not seen this elsewhere on this forum. Not the highest rate, but maybe useful to some.
-
66+ Years - 970+ Draws
A very silly question, but will ask anyway. My mother bought me £12 of Premium Bonds in January, 1957, before the first draw. I still have them and trust they are still entered every month. I have written to NS&I to check that they are, but haven't got very far. Of course, I appreciate that the number in Ernie is immense,…
-
£31k in HSBC Online Bonus Savings. Should I move to an ISA?
This discussion was created from comments split from: The Top Easy Access Savings Discussion Area.
-
Index linked gilt coupons and valuations
Hi all, I bought a quantity of 0.25% 22/03/2052 Index-Linked Gilts in December 2023 through Hargreaves Lansdown. Due to the clean/dirty price issue, HL are unable to display a correct “live” valuation of the gilts in the online portal, however I have just received my first coupon payment of £25.71… is my understanding…
-
Looking to further optimise my financial position
Hi all, Hope you're all enjoying the Bank Holiday weekend. I'm looking for some advice on how I can try and better my situation over the next 10-20 years as far as finances go. I feel like I'm in a reasonable position although far from "rich". I'm in unknown territory at this point and have zero experience so want to try…
-
Historical Fund Fact Sheets
Just for curiosity sake I'm looking for the historical fact sheets for the Fidelity World Index. Is there anywhere I can stick a date in a get the fact sheet for that time period?
-
Santander Edge Saver Renewal
My Edge Saver is approaching its 12 month 'maturity' so I asked Santander if I could close it and open a new Edge Saver to retain the initial 12 month bonus rate. They confirmed that this is possible. This seems a little odd, as I had assumed the bonus would only apply to new customers.
-
Is this amount right?
In October 2022 I transferred £16,120 into a Santander ISA and I am sure the rate was 3.15%. Today I got £236.00 interest. Surely that is too low. Have a missed something when working out that it should have been over £600?