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Natwest savings builder
Just wondering why there is no mention of this savings account on the top savings accounts tab? seems a decent enough deal to me Savings Builder Great for regular savers, with a balance under £10,000 Grow your savings by £50 or more each month to earn up to 1.50% AER/Gross p.a. (variable)
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Wealthify cash back offer removed and Inflation vs Savings question.
1) Wealthify have said there's a £40 cash back offer for investments of £400 (and above) before 29/02/2020 here; https://www.wealthify.com/moneysavingexpert/january-2020-offer/terms-and-conditions-january-2020?utm_source=crm&utm_medium=email&utm_campaign=gencomm However, I can't find the MSE link they mentioned. This is…
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Transferring a Help to Buy ISA into a LISA
I have around £2500 built up in an Help to Buy ISA that I started in this financial year. I am considering opening a LISA and transferring the money across. as I can save more into a LISA than the current help to buy. I understand that the most you can save in ISA's per year is £4000. If I open a LISA does this mean I can…
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Hargreaves Lansdown Legal Action - Is the Company Safe
I have quite a lot of money with Hargreaves Lansdown, one of our accounts is over the FSCS maximum limit. In light of legal action looking likely with 3 Legal Firms currently looking at launching class action lawsuits actions HL. And with Peter Hargreaves selling about 20% of stake in the company... how safe do you think…
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Children Savings Advice
Dear all, Advice appreciated after watching the latest episode of Martin Lewis Money Show. I have a 2 year old son and an ISA in his name. I save £50 a month into this ISA. The rate is not good so need to swap ISA to new one- but he is due to inherit a sum of money which will take him over the yearly limit allowed to save…
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Savings accounts that have regular transfer facilities
I am looking after a relatives finances. The relative (he) has less income than his monthly outgoings. So each month I have to top up his current account from his savings account to cover the DD's. Doing this once a month is not exactly onerous, but I am concerned that I may overlook doing this one month resulting in DD's…
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Equiniti Investment Account - Website Issues
Looks like customers are unable to access their share holdings on 'Equiniti Shareview -Dealing Isa & Investment Account' website. I've just had confirmation that their website is incompatible with the Microsoft Edge browser on Windows 10. That one would have to use Internet Explorer or Chrome to access your holdings. I've…
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Marriage Allowance after retiring
My wife does not work so for the past few years I've been receiving 10% of her personal tax allowance in addition to my own. When I retire at the start of the new tax year in April, will this marriage allowance be deducted from my PTA and reverted to hers, giving us both the £12,500 annual tax allowance?
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Investment
Hi, I am looking for the best way to invest a capital amount that I have (around £200,000) Any advise and suggestions welcomed.
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Interest paying accounts with charges
I'm trying to work out the actual post tax return of an interest paying current account that requires a monthly fee to be paid e.g. Santander 123 account ( you get interest on the account balance but you have to pay £5 a month for the account). Question : Can I set the monthly charge against the interest earned and so…
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What to do next
Hi all I was just hoping for some advice based upon my current financial circumstances as to what to do for the best. My current job is salaried around 40k a year and after company car, student loan, pension etc... comes out, this equates to around £2200 a month. Other than my student loan (about 18k but don't view it as…
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Advice please
Hi I am gearing up for a switch from Santander as they have dropped rates and cashback limited. I have already switched to their lite account for the time being. I have a few questions if anyone can help please: (1) Which current account/accounts should I switch to? Any recommendations? I have 5k in my current account at…
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HL performance graph confusion
Hi all, Just getting myself a little confused here. In my HL ISA, I have some income funds that are showing a loss, eg UBS Global Enhanced Equity Income is nearly 18% down. If I look at the fund page on the HL web site, the annual return over the previous 5 years is mostly positive. If I click on the graph, this also shows…
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Saving for mortgage
Hi I need help as I’m loosing sleep!!! I’m a single mum of 2 kids saving for a mortgage in 9 yrs time when I have to sell my family home through divorce. Problem is I get tax credits & after a certain amount of savings you loose tax credits, at which point then I couldn’t save. I’m a saver not a spender & don’t think I…
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Tilting towards isas as a hrt payer
Unusual situation to be in and definitely comes under the definition of 'nice problem to have' but I've belatedly realised that I've perhaps been tilting my savings too much towards pensions situation is I'm 39 and earn 94k. due to a couple of large retention bonuses at work over the last couple of years my pension now…
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HSBC FTSE 250 Inc vs Acc?
Is there a major difference between these two? Let's say I take any income from the Inc fund, and invest it straight back in, would it be identical to the Acc fund?
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Commsave
Has anyone heard of this credit union? Has anyone got a savings account with them? Apparently they pay in dividends rather than interest but they have been giving out the following: 2017 - 2.5% 2018 - 2% 2019 - 2% 2020 - 2% I am eligible through my workplace so seems tempting as the rate is alot better than any easy access…
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Country Specific Funds
I am in the process of rebalancing our portfolio. The portfolio is self-managed using core passives and satellite actively-managed funds. I am not a slavish adherent to passive strategy and use the satellites as a way of weighing the portfolio in specific directions. In particular, the satellites tend to be country/region…
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Transfer to Vanguard
Could anyone who has transferred an ISA to Vanguard confirm if they can transfer in-specie if you hold LifeStrategy funds on another platform already please? Seems daft to have to sell and transfer as cash. I've looked on their website but this isn't clear.
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Investing in the 'S&P500' from the UK
Hi, I would like to invest say £30000 in the S&P500 from the UK. I used to have a share dealing account with my bank but cancelled that a year ago.(I only have a few shares of a certain company) and didn't use often. Can anyone advise the best route to invest in this fund from the UK? Thanks in advance.
