Savings & investments

Archives for October 2021

Splitting S&S ISA across 2 platforms
For the current tax year, I have used up my ISA allocation across a LISA and S&SISA. Both are with different providers (AJ Bell and Vanguard respectively). For next year's allowance (April22 onwards), I am thinking to open an S&SISA with a different platform. The purpose is to spread my investments across more than one…
Premium Bonds, Windfall Bond, etc.
Evening all, My father holds the maxmium amounts in Premium Bonds and Windfall bonds from The Childrens Building Society. He also has an account with Nationwide. Are their any similar products on the market, with a monthly draw? Thanks
is it possible to invest in US etfs from UK?
I want to invest in Vangaurd Growth fund !!!!!! (VUG). is that possible? I can't find it on any UK brokers
Investment advice needed please
Hello everyone, Just wondered if I could pick people's brains around a few financial matters 😊 I currently have a lump sum of about £15K and I'm wondering what the best options are for it as interest rates for savers aren't great at the moment. Each month going forward, I will also have an additional £1000 left over after…
Index or wealth preservation for investments over unknown period of time?
I posted about this situation a year or two ago in case it sounds familiar to anyone. My son has about £100k aside for a deposit on a first property (partly in LISAs). He and his partner currently live in France with little idea where they will be during the coming years. It could be two years until they buy somewhere (and…
How can I sell ethereum? Should I pay tax?
New to the UK. I have very old ethereum coins in a physical wallet that worth few thousand pounds. In which platform can I sell them and get the money into my UK bank account? Should I pay tax? How will it be calculated? Thanks.
Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
Simply Not Worth Their While?
I tried to find a financial adviser on Unbiased and VouchedFor but I get the feeling that because of my age (50s), low but OK salary, rubbishy pension forecast, only £40K savings and no other assets I was not matched with any IFAs at all so couldn't get a free first consultation. I would like some advice on maximising a…
M24 Needing Advice on How to Proceed with Savings
Hi all, I live in the south-east. I'm 24, graduated 3 years ago in accounting & finance. Working throughout uni and by working since graduation I've saved £56,000 and I live at home, where I save £800-£1,000 a month from my 22k salary (underpaid for my role). However, I am not really too sure on how to proceed with my…
Reviewing my finances as I turn 40
Hi all, hoping this is the right place to post and get some collective wisdom and thoughts (I won't ask for 'advice' as I know that can mean something else in financial circles) So, I'm almost 40 and having a bit of a review of my financial situation, wanting to make sure that I'm in a reasonable position. Full time…
Tandem fixed rate saving maturity
I put £8k into a fixed rate saving account with Tandem last November following information on this site, and it’s due to mature in November. I’m looking to reinvest it at the best rate I can get for a 1 year fix and they are offering 1.41%. However, this doesn’t appear on MSE, and the best rate showing is 1.34% with Smart…
Tax efficient investing for siblings, parents & cousins via the stockmarket in UK
I do not have any children of my own, and think that it will be unlikely that I will have them in the long termI already invest in the stockmarket via 3 brokers, and am considering investing in a new account for my siblings, parents & cousins a small amount eg £25 / month with a 80 / 20 equities / bonds split with the plan…
Changing a fund's objective - Is it really acting in the investors' interests?
Perhaps an interesting discussion point - it certainly got my interest. In my SIPP, I have/had a nice Xtrackers ETF (LU0292103651) that was following the Stoxx Europe 600 Banks index, just what I wanted so just what I bought. However, it would appear that Xtrackers decided that the fund should change its investment…
Shares held in mothers name
Hi all. I currently have some shares in a company that were given to me as a child, at the time they were held in my mother's name. The name on the certificate is 'Mother's full name + My initials + A/C'. From what I gather this was due to my age at the time, not being legally able to hold shares. I'm now well past the…
Opening a Savings Account as a deputy - "Court of Protection"
Having contacted the top savings accounts as listed on Moneysavingexpert.com - all have said I cannot open an account as a deputy "Court of Protection". Can anyone help point me in the right direction? Do I have to consider in-branch options only? Thanks.
HSBC and Trading212 / Evestor
Hello, My bank contacted me today and said they noticed transfers to Trading212. I used Evestor last tax year. Both have good returns so far. They said all was ok but that they "do not like" transfers to "these types of accounts" an said it could effect future credit with them. When pressed why, they just said "we view it…
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UBL ISA
I have tried to open a UBL 3 year fixed rate ISA since September. Opened the account online and received confusing paperwork. Sent £1000 to what i thought was my funding account but the money got lost. Contacted UBL and they talked me through how to transfer funds. Sent another £2000 and the money never showed up on my…
Withdrawing Savings and Interest
I have a Lloyds basic savings account, purely because Lloyds is the only bank that still has a branch locally to me and it’s where I chuck my saved coins. The interest rate is appalling. I want to move the majority of it over to premium bonds but I’m just wondering how the interest is calculated. It is paid at the end of…
Morrison's Shares Delisting Today?
I have a small amount of Morrison's stock in a share-builder account, I have never had any share delisted before so not sure what i need to do? I have not been following the events of this situation and I'm concerned what will happen if i don't sell today, will the shares be sold automatically or will i lose the shares etc.

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