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Tandem Instant Access Saver? Anyone got one? Worth Opening?
Morning All I am thinking about opening an Tandem Instant Access Saver, anyone got one of these? Only thing that is putting me off opening one is the horror stories of the app being a bit buggy and some bad customer experience. How have you guys found Tandem?
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NSI password reset problem
Hi, first post here. I was a member years ago but can't remember my details so it was easier to create a new account. I forgot my NSI password so have tried resetting it. Leaving aside all the details I always fall at the hurdle where I have to enter the security code (on the website) on my phone dial pad. It always says…
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investec bank
hi has anyone opened a online account with investec bank
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Stocks & Share ISA Tax
Hello I have a couple of questions... I am wondering if dividends within a Stocks & Shares ISA are free from tax if I don't withdraw it outside of an ISA. If dividends are subject to tax within an ISA, if I buy accumulation funds that don't pay dividends, are there any tax to pay on these accumulation funds? Is there any…
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Choosing fixed interest funds
I find it easier to decide about equity funds than fixed
interest funds so this thread is to test whether my approach is sound, and to
find out how others address it. I am only interested in fixed interest funds,
not individual bonds (though other might want to widen the discussion). On a thread a while back I remember…
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iWeb - do they sell all Vanguard funds?
Hi all, I recently signed up to iWeb to invest in this Vanguard fund: FTSE Global All Cap Index Fund Accumulation (https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-global-all-cap-index-fund-gbp-acc/overview) but .... I can't find it on the iWeb system which is rather, putting it politely, antiquated and their…
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Previous ISA year transfer question for a noob
Hi, This should probably be something easy to answer to most experts on here, but just want to make sure I'm on the right tracks At the very end of last March/beginning April before the new tax year, I opened up my first ISA, just to take advantage of before the annual limit hit, of circa 10k or so, into an Easy Access ISA…
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Allica Bank
Anyone got any experience of Allica Bank??? Offering 1.2% for 12 months and wondering what they are like as very new. Thanks
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PE ratio accuracy
Just looking at some share prices online.Google has Smith DS has having a PE of 33.40Hargreaves Lansdown says the PE is 18.29 whilst this website as another figure. https://topstocktable.com/FTSE-100/FTSE100-PE.html Is the discrepancy just the PE measured from a different date? I would hope Google and HL would be correct,…
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Can we help protect the YouTube / TikTok generation, or is it not worth trying?
Just a thought, but there are a lot of click bait videos out there, and there have been for some time now. Now financial markets are clearly regulated, but these bloggers are relatively free and unregulated to say what they want. There is nothing wrong with free speech, but bloggers also have the power to delete comments…
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MGGT
Dear all, I know this is dependent on the takeover situation, but I just wondered what members' thoughts were on the possible outcomes and impact on share price, beyond what it has already achieved in recent days. Thanks in advance.
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Question about taxation in general investment account
I was wondering if anyone might be able to help me get my head around taxation of funds/ ITs in a GIA as I'm struggling to work out how to use my dividend allowance efficiently and avoid additional income tax/ excess reportable income obligations. My questions are basically: * If I buy any anything that is less than 60%…
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Accessing child trust fund when 18
Hi, asking for a friend. Her daughters now 18, her daughter asked Natwest if she could withdraw her child trust fund, Natwest said it's been transferred into an ISA and she can't. She's confused and doesn't understand why she can't access it? Thanks
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Personal vs Company private pension annual allowances…
Can
someone please help me get my head around company vs personal private pension
payment allowances? My
wife and I are sole directors of a Ltd company and we try to pay as much as
possible each year into our private pensions. Usually this is solely through
company payments straight from the company to the pension account…
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Fund Versions / Classes L&G
I have been investing a small amount of my monthly pension contribution into L&G Global Technology Index Class I with an OTC 0.32% with HL. I noticed today that they have a Class C fund with an OTC of 0.20% with HL. I have read the Key stuff, and other than the charges, I can not find any difference at all in the two…
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Inheritance Tax: Is a Loan Trust a wise option?
Following on from my previous post, I am currently looking at investing for the first time. In summary, I have recently retired with 2 pensions which are adequate for my needs, so I don’t need an income. I also have a lump sum of around £350K which is currently spread between NS&I, cash ISAs and bank accounts. I understand…
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Share dealing account to S&S ISA: transfer Vs withdraw and fund
Hi all, hopefully this is a quick one. If I sell some shares from within a share dealing account to fund a subscription to my S&S ISA. are there differences in terms of tax implications, CGT allowances etc between- asking my provider to transfer cash from share dealing account to S&S ISA- withdrawing cash from share…
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From poverty to £1000 net savings pcm
I'm in my late thirties and have only minimal investments, and just want to chat with more experienced, clever and of course good-looking people about how to go about things with this situation. My new job allows me to save £1k per month. Currently my portfolio is made up of roughly 10 thousand pounds, some in Fundsmith,…
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income from untaxed interest
Hi, I have recently notified HMRC of various changes to my circumstances and today I received revised tax codes for 2017/2018 and 2021/2022 on each of these they show untaxed interest. I am a basic rate taxpayer with interest on savings well below the £1000.00 per year. I rang HMRC who agreed that on my capital and…
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Saving plan
Hi, do you have any recommendations for savings? It would be for certain amount (couple of thousands) plus regular saving. The ultimate goal is to safe for a first home mortgage. I do not qualify for LISA. I have just seen Natwest and RBS interest rates for regular saving account, have also read some topics about Halifax.…
