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Fixed saving rates / bonds
Hello, I'm new to this forum so apolgies if this has been dealt with before. The best fixed savings rates I can find seem to be around 4.5% per annum - that includes MSE. The only alternative seems to be something like Hargreaves London who are offering 6% on a 2 year bond. Can anyone help me understand how HL are able to…
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Future Planning
Would an Cash Isa be better than opening up a Premium Bond with 20k under the current climate?
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Calculating Capital Gains liability in advance of selling
I've had a Moneyfarm General Investment Account for several years. I would now like to sell some assets, but do not want to go over my annual Capital Gains allowance. I have tried to make sense of the HMRC HS284 guidance, but it is not easy reading! Over the years Moneyfarm have made many acquisitions and disposals, but…
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Single premium investment bond - tax mitigation
I have a single premium investment bond that I bought around 25 years ago. It's worth around 4 times what I put into it, and I withdrew (tax free) around a third of the original premium. If I cash it in now or when I die, there's income tax to pay on the taxable gain = the gain in value plus the one third I already took…
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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
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Limited access account - monthly interest
Does any one know of a limited access account or a short notice (eg 30 days) account with a good rate of interest (4% ish) that pays monthly interest? I'm semi retired and want to access interest instead of using capital.
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are:* Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Rebalancing the portfolio
Hi All, I'm currently 90:10 split of equities/bonds and am at the point where I think I'll be retiring in the next 4 years or so, and am looking to rebalance down to something like 70:30. My currently thinking is to have up to 2 years' cash in cash isa/ns&i/short term money market fund (for easy access, on top of a…
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INXG Distributions
I thought it would be worth flagging an interesting feature of this Index Linked Gilt ETF originally noted by @Alexland, which seems to be "distributing" an excessive amount of interest. Most ILG have very low coupons, so a 12 month trailing yield of 7.15% is way above what you'd expect such a fund to distribute. It is…
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Investment Of Large Amount - What To Do?
Morning all, I have a two fold question if I may please. I am about to receive a decent amount of money through company dividends, as the company I work for has just been acquired. My first question is what to do with the money. I need/want to invest it for a minimum of a year, as I will not need it until some time in…
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Top slice onshore bond advice
Hi I would be grateful if anyone could give advice about top slice deductions on chargeable gains. My elderly mother has 2 onshore bonds that I have just came across the paperwork for. Unfortunately the financial advisor who set these up has retired long ago and I have no experience of anything like this. The main bond is…
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Paying tax on savings interest.
For the first time in the 2024/25 tax year I went over the £1000 interest tax allowance. And by a less amount in 2025/26. Though I went over a certain amount I am sure it’s less than the £760 for 2024/25. they show I owe. They then adjusted my tax code so the last 4 months of the 2024/25 tax year I have paid £39 more tax…
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Royal Mint Issues?
Is anyone else having issues with Royal Mint's website? Have (had?) some investments there in digital gold. Couldn't log on for weeks, now I'm in and my digital gold all seems to have vanished… As has the function to buy any more. As have the records of a few small purchases I made as gifts over the last 10 years. And the…
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Trust for children managed by bank
My mother-in-law has put some money into a trust for her grandchildren (including my children). This has been done to help them out with future university costs, and done in this way to reduce liability for inheritance tax. So far, so good, but she has done this without talking to my wife or sister-in-law and has been…
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Inheritance from abroad - what to do?
Hi Everyone, I’m about to receive an inheritance (over 7 figures) in Euros. I’m resident in the UK for tax purposes but I’m not a British national. I’m wondering if it makes sense to park this money in Europe rather than exchange it all at once? Do you think it’s worth looking for a wealth manger to help? I’m ok with…
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Post Office savings account
Just opened Post Office instant access savings account. When I tried to tfr. money into it from my bank - I got error msg. from my bank saying cannot confirm destination account details. I phone Post office & their explanation was because Post Office is registered in Republic of Ireland. Seems little strange to this…
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Joint Savings Account with Sibling
I’m looking for the best option for the following joint account I want to open with a sibling. We plan to get a joint mortgage and want an account where we can both deposit money to cover mortgage payments. Whilst we trust each other implicitly, we would both like something that will allow us to set a chunk of money aside…
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NS&I index linked certificates
My 5 yearers are up soon. At first we had RPI, now a lower CPI. At first we had plus 0.5%, now we have plus 0.01%. You used to be able to cash in, and the best time to do so was on an anniversary, but you could at anytime if wishing to get at the money. Now the next rollover is fixed with no withdrawals for the term. Are…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Most recent: Nationwide ISA Transfer Delay - any experience of this? by Sandyra
3 June at 10:08PM
