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Trading 212
Hi all, I am new to investing and Trading212 appears to be an easy platform to start on, allowing me to invest small amounts and move them around quite easily and freely. I am concerned about the CGT side of thing: Is the £12,300 different from any taxable amount from a salary. I.E. if I made 20,000 p/a salaray I have…
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Thoughts re: FSCS and saving with a Challenger bank (Vanquis say)
Hello, I am in the fortunate position of having a cash lump sum that I don't want to invest in the stock market but would like to earn a "good interest rate" on. I have therefore been attracted to Vanquis fixed rate bonds of 3 to 5 years duration. Using Vanquis as an example (but other 'challenger banks' may have a similar…
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Reinvest parents money with power of atourney
I have financial power of attorney with my parents money. They have £100k siting in bank doing nothing! Am I allowed to reinvest it? If so , where to start?
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Closed an "online saver" with Post Office Savings during the tax year - cert of interest?
Hi, I closed an online saver account with the Post office (and can't see its details in my online banking any more) during the tax year, and stupidly didn't make a record of the interest received during the tax year when I did this! I have contacted them but not sure if they understood the problem/inquiry (and weren't able…
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Opening account online
Is it save to open an account on line with Saga, how can you be sure you are on the correct website as I have some funds to place in a savings account and the account with Barclays Bank is so low
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Anglian water bond 6.25%??
Hi had a financial advisor call me to discuss an Anglian Water bond over 3 years paying 6.6% . Has anyone on here heard of this wondering if it is genuine. It sounds too good to be true?? The follwing is part of their document emailed to us: OFFERING CIRCULAR Anglian Water Plc (Incorporated in England and Wales with…
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South west capital partnership
Does anyone have any information on dealing with this company please
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Disposable income at last - but where to put it?
After getting rid of a sizable pile of debts I finally have something 'spare' to start saving with. The question is where??? I already have a workplace pension + 5 frozen pensions and have had a look at various ISA's (unfortunately too old for the Lifetime version). I suppose my search for advice is (it will be ~£1000 pa):…
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Transferring from matured ISA to Savings account
Hi all - getting myself very confused on ISA's, allowances and transfers and hoping for some advice from people with more knowledge than me! I have a Santander ISA that has just matured into a Cash ISA. I used my full allowance for 2019/20 tax year. I wanted to transfer this amount into a savings account (Vanquis 1 year…
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Help to Buy ISA full... what now?
Ok so just looking for a bit of advice. I set up a H2B ISA a fair few years ago (pre-LISA) and I've just realised that it's almost at 12k, which means max amount for gov top up. I've been looking into this and although LISA would give me access to more gov top up as I continue to save i would only be able to move 4k/year…
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NS&I Index Linked RPI vs CPI
Good evening. I have 5 ish fully stacked up Index Linked Certs. Some 3yr and some 5yr. As they are starting to renew again over the next few years I see they are changing from RPI to CPI. Are there any historical charts so I can see the impact? Also, with the dreaded Covid19, what do you think the impact maybe on CPI /…
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Drip Feed or Lump Sum?
Hi Everyone, During this lockdown/bear market I am looking at taking advantage of investing the money I would have under normal circumstances allocated to daily consumption/commuting costs. Am I better to invest this all as one lump sum on a set date each month, or drip feed weekly to pick up units of different prices…
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TSB Monthly Saver still 2%
For those of us who have a TSB current account their monthly saver fixed at 2% is still available.
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Lisa Q
Say I put in 4k and the next day I use it to buy a house would I still get the 25%?
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S & S ISA QUESTION
Hi, I have a stocks and shares ISA from 2019/2020 which i put money into last December. I never actually invested this money in any shares at the time and for this ISA year i have opened the ISA with another Platform. My question is can i still use the money sitting in last years ISA and platform and invest it in stocks &…
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Amateur investor seeks investment portfolio advice please
Hi, I am an ‘amateur’ investor who through reading
articles, listening to useful advice and some good fortune has managed to build
up a reasonable investment portfolio, for just an ordinary guy. I have posted
here a couple of times some years ago when I was looking to review what funds I
held and try to regain some of the…
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Savings help!
So I am saving g to buy my first home and I have a help to buy ISA saving the maximum £200 a month but I want to save more than this but don't know what kind of account to open. I don't want to be able to 'dip' in and take money out of the savings but I don't know where is best to save this! Any help would be great - I am…
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Bond Maturing
My elderly mum has just received a letter from Barclays advising that her bond is about to mature. They advise that if she does not instruct them otherwise, they will reinvest her money into a maturity bond. Normally she would pop into a branch to get some advice regarding this but of course it's not an option at the…
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Commisssion free Isa Funds
I have had stocks and shares Isa's with Aegon previously Nationwide BS for many years but they are asking me "You hold one or more individual products where commission is included in the fund price. You can change to commission-free funds now or we’ll inform you when you need to change." Is this something that I need to…
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Stocks and Shares Isa (Santander) Advice for Dummies
I bank with Santander and I'm thinking of setting up this isa with them as my savings account is with them also. I'm thinking it'll be easier to transfer money to the isa, online, from the savings account. I saw that they have a £20 thing where they ask you questions about your views on risk taking etc. After that, what do…
