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NS & I Index Linked Savings Certificate (renew or not ?)
Is the ILSC worth renewing for 5 years (with no access allowed during the term) or cashing in and putting in a Savings Bond with Monthly Interest and access allowed ? I'm retired due to an injury and living off the interest earned on various savings bonds and a pension. Any advice would be appreciated. Thanks
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Hargreaves Lansdown poor service
On 16/2/26 Hargreaves Lansdown decided there was an anomaly with my postal address despite me being registered with them at this address since 2009 and holding a SIPP,ISA and fund share accounts. They immediately placed restrictions on my accounts and used the none guaranteed second class royal mail delivery service to…
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Struggling to find friends lost pensions
Initially tried tried using AJ Bell who offer such a free service hoping you will take out a SIPP account with them. Went through discussion with my friend, a very busy man starts at 6:30am! Came up with a list of past employers with addresses etc and sent to AJ Bell, who decided they wanted to deal with him direct, but…
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Emerging Markets Allocation
Many amateur investors, like myself, frequently become confused by how much to allocate to different regions, there are often as many questions as there are answers. We recently debated at length, the merits of reduced US allocations, now the subject of Emerging Markets (EM) allocation arises. Whilst I have arrived at my…
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Revolut 5% saver
Hello recently opened Revolut current account to get £20 cashback which worked well and quick Noticed the 5% instant saver for 6 months up to £25k which is a very good rate It would appear that savings are held with clear bank which has FSCS Protection up to £120k ? One negative I've read about is that account can be…
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Withholding tax reclaim from German single share dividend
I received a dividend of circa 3573 euros reduced to 2631 euros after withholding tax reductions. I believe there may be a possible re-claim of circa £300. Could anyone advise me which form i would need to complete and the basic route. ?
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Duplicate Junior Stock and Shares Isas
Hi. I have three JISAs for my children, which wer invested with the Woodward Equity Income fund, suspended in 2019. As I could not contribute any more funds, I opened a further three with AJ Bell in 2019. I now realise I shouldn’t have more than one set of them, but in seven years have never been contacted by HMRC. Should…
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Lamborghini, world cruise, annuity ... or something else?
We are just about to receive the payout from a life-policy related investment plan we have had for some 30 years which pays out a tax free lump sum on maturity. Probably upwards of £200k. We're wondering what to do with it: hence the title of this thread! The plan was designed as a way of saving to provide money at a stage…
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Hargreaves Lansdown unreasonable behaviour or not ?
On 16/2/26 Hargreaves Lansdown decided there was an anomaly with my postal address despite me being registered with them at this address since 2009 and holding a SIPP,ISA and fund share accounts. They immediately placed restrictions on my accounts and used the none guaranteed second class royal mail delivery service to…
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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Where to 'park' money
I will shortly be receiving an inheritance around 40 to 60 thousand pounds and I am looking for an account to park it in short term. I currently have a cash ISA but its already maxed out for this year, I don't want to put it into a stocks and shares ISA. The reason is, once its received and our current abode is sold, we…
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Newbie investing question
I have a newly opened Barclays investment ISA and am I right in thinking that in order to set up a regular investment I need a direct debit to fund the account and then a second order to state what I want to invest it in? Is there no way to do it in one step? Thanks.
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Crypto mistake
So after following a fellow Carpenter on TikTok, he messaged to say thanks for the follow and we chatted all things trade. He then went on to side hussles and mentioned crypto, told him I dabbled few years back and not a lot came of it. He suggested a trading platform called Coastal Trading Luxe. He talked me through how…
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Trading 212 £50 shares offer
Hi all, I'm tempted by the MSE promoted offer but have never dabbled in shares, I've only used savings accounts as an investment. I don't think I'd get massively in to it but thought with this offer I shouldn't lose in theory unless the shares dropped heavily in value? I have heard people saying to invest in different…
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Is it better to be a Scottish saver?
Or should I say a resident of Scotland when it comes to paying tax. And of courses a frugal saver. In particular if you are managing your income and trying to go as close as you dare to being a higher rate tax payer but keeping the max £1,000 tax free savings interest allowance rather than breaching the cliff edge and…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
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Chase Saver With Boosted Rate
I'm in the process of moving my savings from Monument Bank as their rates are now dragging behind and I'm looking at the Chase Saver With Boosted Rate as I prefer to have instant or short access(30 days max ). However I find the following a little confusing; The MoneyFacts website states that the Chase Saver With Boosted…
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Saving bonds that allow change of monthly interest payment methods
Hi all, So i just had a 53k bond matures, have maxed out ISA for this year and am now looking to buy 1,2,3 and 5 year bonds. I think rates still have room to creep up a bit higher. One thing has occurred to me I think is beneficial, some providers like RCI Bank allow you to chnage your payment interest method at any point…
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Stock market
Hi all, Wanted to see what people think of the current situation on the stock market. Was wondering if I should pull the trigger on any of these “discounted big boys” or just keep putting into Vanguard S&P 500? NVIDIA, META, APPLE, AMAZON, MICRON, MICROSOFT, GOOGLE, AMD, TSM etc
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Nationwide 1Y Triple Access Saver - can I change account before 12th month?
Hi Everyone, I just wanted to double check one information. I opened Nationwide 1Y Triple Access Saver about 5 months ago, it currently gives me 3.5% (I haven't used any withdrawal). I can see that they've got a new account that gives 4% currently. Can I just open the new one and transfer my money without losing the…
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