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NSandI - premium bonds, income bonds & ISA
Hi, for a long time now my ISA has had a pretty lousy interest rate - 0.30% (since i opened it so 2018 onwards).Im interested in NS&I and was recommended to look into them for the Premium Bonds.Have a few Qus tho.. how safe is any money in the ISA, in the Premium bonds, in the Income bonds? If everything collapsed is there…
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Sharesave Plans
Hi, I recently left a company having built up a few years in a sharesave plan. On leaving the plan operator sold some of my shares in the plan to cover my income tax obligations that were due. However due to covid19, the price of the shares are very low so it has cost me more shares than it could have done. I would have…
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Where do I move my company shares?
Morning all. New here. i have just left my company and have 21 days to transfer my company shares to another account. i am brand new to this, so really need advice. I have been recommended a Bed and Isa , is this generally the best place to just hold shares? will I lose much when they sell and buy back again in the…
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Sold house- now can't buy somewhere
Hi long time creeper first time poster, hoping somebody might have advice for me, I live in Northern Ireland. I sold my house pre Corona virus for £155k no mortgage I am not earning currently. The house I was going to purchase was pulled from the market and our deal was lost. I currently live in rental until such a time…
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Paying tax on income from savings
Hi everyone Can you help please. I inherited some money. The interest I will get from it in my taxable accounts totals roughly £2250. I am employed and thought rightly or wrongly that the banks inform HMRC and they adjust my tax code to take the 20% off the £1250 after discounting my PSA. I would rather not have to fill…
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Has any one heard this company to invest?
Hello This company advertising better interest rate with UK usual protection. Is this a trust worthy? https://fixedratesaving.com/?gclid=EAIaIQobChMI-sKZnaD56AIVmLPtCh1UlwrjEAAYAiAAEgKxifD_BwE Thank you for your thoughts With best wishes
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A general query about an investment fund
I spent around 3 days researching the stockmarket, terminology and how to go about investing.I'm very new, but have made a small investment to test the waters - as a practice.After my first 24 hours I made a small return of 38p. This money appears in my account alongside my original stock investment.However, today was not…
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Where to put £10k for 1 Year?
I have maximised all regular savers etc, I have a pot of £10k left that I want to leave for one year, what are my options? Also do Raison etc offer any bonuses to switch savings to them?
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All previous Britannia Select Access Saver rates dip to 0.55%
Until now, the Co-op generally just reissued a new version of the select access saver when they changed the interest rate - meaning you kept a higher rate if the new issue went down, or you had to actively move your account to a new one if when rates went up (which they did in early 2019 when Select Access Saver issue 10…
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Savings review since Covid-19 outbreak
Evening everyone, Since the Covid-19 outbreak - or more so the BOE interest rate reduction it has prompted me to take a more thorough look at my savings. Working from home has given me more spare time to look at it also, some may call it boredom? In the last 4 weeks I have had 13 notifications of rate reductions - some…
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Cash ISA transfer
Evening Guys, I have a cash ISA that I've topped up this tax year. I would like to know whether it is possible to transfer my ISA balance to 2 new providers in this tax year. I understand I won't be able to add any new money to these new ISAs but is it possible to do 2 separate transfers (50% each) from my existing ISA to…
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Nationwide Future Saver - interest rate question
Hi - I opened last year this account for my child - Nationwide Future Saver 12 months term, and parked most of my child's savings in it, at 3.5% interest rate (if no more than 1 withdrawal is made). If 2+ withdrawals are made, the interest rate becomes 0.50%. The 12 month term ends on 22 Nov 2020. However, I received a…
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Hargreaves Lansdown - Charges question
Hi, Hopefully someone can give me a quick answer on this: the 0.45% annual charge on shares in an ISA (capped at £45) - is this per share held or on the total value of all shares and charged once? Thanks,
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Are ETFs a house of cards?
The following points in an FT article highlight some disturbing concerns. Could this apply to gold, commodity, and bond ETFs as well as equity index trackers? What should retail investors look for when choosing an ETF, or does the following apply to all? ETF like iShares, SPDRs etc are used by "authorized participants"…
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Tesco Clubcard Points - Who Will I Get Them With ?
As the title. Anyone have experience of which banking payments will get Clubcard points ? Going to buy some premium bonds and put money into MrsM's HL SIPP soon so will we get them there ? Every little helps as they say. TIA.
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What to do with £100k?
Hello My husband has worked like a dog the past few years building up his business and as a result he has approx £100 to £150k to invest instead of it just sitting in the bank with almost zero interest. He doesn’t know what he should invest in, he doesn’t want anything super high risk and he did used to buy houses and do…
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Oil futures ETF
From today's financial news "The slump in prices this week will be very painful for an ETF such as USO, especially given the way that oil futures contracts mature on a monthly basis. That means that a Fund must roll over their contracts to avoid actually owning physical oil one factor behind yesterday’s crude meltdown."…
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iShares funds price differential - I am perplexed
Can anyone tell me the reason for the price difference between the following 2 property funds?: 1. iShares Developed Markets Property Yield ETF GBPH DIST [DPYG] isin: IE00BDZVHC96 (OCF 0.64%);2. iShares Global Property Securities Equity Index (UK) INC [ticker?] isin: GB00B8480097 [OCF 0.17%]. Apart from 1. above being an…
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Paying tax on a 1 year bond
I took out a 1 year bond with BLME last year. It has just matured and the statement that I received said that tax had not been deducted. Is it up to me to pay any tax on this and if so how do I do it?
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Beginner investing advice
Hi all So I have been immersing myself in some reading/videos on the topic of investing and it's something I want to try. However, in 'true to me' form I've inundated myself in info to the point I can't decide what and how to do it. So I'm thinking about investing 1-2k right now in something that I will allow to sit for a…
