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Any Interest Paying Product in Fidelity ?
Good morning I have an investment ISA account with Fidelity where I hold some shares and funds. What is the best use of any cash held within the account while waiting for a buying opportunity ? I know they pay some interest but I am wondering whether there is any low risk product that can offer better return on cash…
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Financial advisor or DIY?
Hi, all. I hope everyone had a nice bank holiday weekend. I'm looking for some advice on whether I should hire a financial advisor to help with savings, investments, and pensions. Here's my current situation: * Age 35. * Single. No dependants. * Own my house outright. * I have a 20-year-old car, so no PCP, HP, etc. *…
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FTSE Small Cap will cease to exist by 2028?
Peel Hunt, an investment bank, predicts the FTSE Small Cap index will cease to exist by 2028 (if current accelerated trends continue). Companies listed have plunged from -29% from 160 in 2018 to 114 in 2023, and a possible 0 (zero) by 2028. Companies, such as Lookers, are being taken over, relisting overseas, delisting,…
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Lloyds won't let me open another monthly saver 369 days after the last one
It has to be over a year since you opened the previous Club Lloyds MS, which was 30th March 2023. As today is the first working day since it is supposed to have matured, I was expecting to see the capital and interest in a new account today, but nothing has happened - no interest and the interest rate unchanged. So what is…
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VLS60 Income distribution
As this fund went went ex-div yesterday does anyone know what the distribution amount is please? I find it very hard to find this detail. Many thanks
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Advice please with a Clerical Medical Distribution bond.
I have held a Clerical Medical Distribution bond since 2001 with a opening value of £20K, it current value is about £24.8K, I have taken several with drawls of £1K, on the last with drawl I had for the first time pay tax on the with drawl. I would welcome advice on a few issues with the bond. 1. Is it a good investment to…
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Aldermore Bank Question
Opened a Regular Saver earlier, had an email with account details on, what I find strange is the email says they are going to send my Customer ID in a separate email. Any idea when that email is going to turn up? 🤔🙄😏
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Why use CGT allowance
Hi I have approx 30k in GIA made up of shares and some funds with HL. I dont need to realise the money this would give me so why use it. Everywhere seems to tell you to use your cgt allowance but what if you don't need to or think you need to. What do people do if they sell to avoid building up another cgt liability. Can I…
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Gifting property
Apologies this post may be in the appropriate category Would very much appreciate some advice please, my wife and I have lived in the same house for some 30 plus years its now our intention to gift to our daughter, and vacate the home . Property has a value of aprox 900k, however when originally purchased for some reason…
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Pick an account now, or wait for new tax year?
I have a 2 year fixed rate account about to end, and I was wondering if it would be best to open the best account I can find at the moment, or wait a week to see if better account are available in the new tax year. Does anyone know what usually happens around this time, or is it totally unpredictable?
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Algbra app not working
Hi all, I wondered if anyone else is experiencing the same. I try to click on the app and it glitches and shuts down. Got friends with the app who are saying the same. But I can't find any help on the matter - have tried reinstalling and have emailed....have they gone bust? TIA x
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5.5% childs savings account clarification
I have a son, 6 years old and opened a bank account for him with interest rate of 5.5%. Is there a personal allowance for him £1000, only if money doesn't come from me? Thanks
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Phoenix Life - Surrendering investment
I have an investment with Phoenix Life named Investors Choice. Type of policy is - Whole Life Unit LinkedI have sent the surrender documents to Phoenix Life over a month ago but have not received the funds yet. Have contacted the company who have escalated the surrender a few times but have still heard nothing. When I call…
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NSI Guaranteed Income and Growth bonds back
Not seen this elsewhere on this forum. Not the highest rate, but maybe useful to some.
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66+ Years - 970+ Draws
A very silly question, but will ask anyway. My mother bought me £12 of Premium Bonds in January, 1957, before the first draw. I still have them and trust they are still entered every month. I have written to NS&I to check that they are, but haven't got very far. Of course, I appreciate that the number in Ernie is immense,…
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£31k in HSBC Online Bonus Savings. Should I move to an ISA?
This discussion was created from comments split from: The Top Easy Access Savings Discussion Area.
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Index linked gilt coupons and valuations
Hi all, I bought a quantity of 0.25% 22/03/2052 Index-Linked Gilts in December 2023 through Hargreaves Lansdown. Due to the clean/dirty price issue, HL are unable to display a correct “live” valuation of the gilts in the online portal, however I have just received my first coupon payment of £25.71… is my understanding…
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Looking to further optimise my financial position
Hi all, Hope you're all enjoying the Bank Holiday weekend. I'm looking for some advice on how I can try and better my situation over the next 10-20 years as far as finances go. I feel like I'm in a reasonable position although far from "rich". I'm in unknown territory at this point and have zero experience so want to try…
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Historical Fund Fact Sheets
Just for curiosity sake I'm looking for the historical fact sheets for the Fidelity World Index. Is there anywhere I can stick a date in a get the fact sheet for that time period?
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Is this amount right?
In October 2022 I transferred £16,120 into a Santander ISA and I am sure the rate was 3.15%. Today I got £236.00 interest. Surely that is too low. Have a missed something when working out that it should have been over £600?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
