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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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Looking for a fund to tap into European re-armament
Hello. I'm looking for a fund that will leverage the increased defence spending across Europe. Can anyone recommend a fund that broadly covers this sector? Thanks.
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Do you compare your investments to a benchmark?
I do, and when updating my spreadsheet I also update my benchmarks. For equities, my benchmark is 90% HSBC FTSE All World Index and 10% Fidelity UK Index. That is about 59% North America, whereas I am underweight there at about 43%. For fixed interest, my benchmark is 50% Vanguard Global Bond Index and 50% Fidelity Index…
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CMOP and dividends
I have been keeping an eye on this fund for a while and note that it is an accumulation fund. https://www.google.com/finance/beta/quote/CMOP%3ALON?sa=X&ved=2ahUKEwi0h8XwsYGVAxUWUkEAHerQFe0Q3ecFKAN6BAgdEAQ When I had other funds where you could choose to have the fund as an accumulation fund or a distributing one, where you…
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From PropertyMoose to UKDiversified
Hi, Basically i had some shares in a company called PropertyMoose which was a property company that rented out properties. However in the last few months a company called UK Diversified Property has taken over everything which to me seems extremely bizarre. I was trying to look into whether a company can take over the…
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MBNA 1 year fixed rate savings account
So, just opened myself one of these at 5.27% for one year and was a bit surprised to see the account can only be managed by phone. No way of seeing your balance online and for some reason I'm reluctant to use it now. Seems irrational as the balance won't change until the interest is added after the 12 months but there is…
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Virgin Money Exclusive Regular Saver
Virgin Money have launched vers.6 which is now available on their website. Rate fixed at 6.5% AER until maturity 30/06/2027. I've been waiting for this as my previous RS matured a few weeks back.
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Volume Cash Withdrawals
hi, I have an account with Halifax and want to withdraw ~£80k in cash. I don’t mind withdrawing in multiple stages due to the large amount of money, but Halifax are refusing to allow me without a proof of purchase invoice for whatever I want to spend it on. I have a friend who works for TSB and they advised the bank has no…
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Evraz shares
They have been delisted and I was wondering what would be the best course of action. I hold some through a nominee broker and asked them whether I could get them converted to paper shares. They said no. I then came across this: https://www.evraz.com/en/share-certificates/ My question is: would it be better to keep holding…
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AJ Bell platform feedback
Hello I am thinking of transferring my ISA and SIPP accounts from HL to AJ Bell. Mainly due to the money I can save on management fees. After any feedback from anyone who has used AJ Bell online and app dealing services.
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Premium Bonds to GIA, as ISA allowance used up.
I'm lucky enough to have used this years ISA allowance and I have 47K in my Premium Bonds. With the PB not doing very well, I was thinking about using the 3K allowance I would have if i used some of the PB money and put it into a GIA. My thinking is to put 20K into a GIA and invest in worldwide ETF. Then wait until next…
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Share scam ??
Hi, Just had a phone call from an Alex Jones, (from BLM New York,) asked for me by name, said it was about my shares with Centrica and a merger between Centrica and another company, they are prepared to pay between £8 and £17, he wanted to send me details in an email, I told him I don’t talk about finances over the phone,…
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How to report a bank for incorrect tax reporting.
Hello. I have complained to a bank, because I have discovered a fairly niche pathway that leads to them misreporting customer tax interest on savings, to HMRC. I complained to the bank in question, they accepted fault (verbally), and sent me a sum of money which covers my additional (but incorrect) tax liability, so I can…
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Monmouthshire BS Regular Saver 6%
For those who opened the Monmouthshire app exclusive RS at £1000 per month at 7% as well as the Regular Saver at 6% last August now is the ideal time to close and reopen the 6% one as it is still available to avoid the problem of £18k maturing at the same time I requested closure this morning after having zeroed my account…
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Savings - Best place to start?
Following a messy divorce, I have 45k that i need to get into a better savings account(s), and Im not sure whether and how to split this - i dont have an ISA, I previously had a chase account which had a decent rate, but thats ended now. I own my own place, no mortgage. What do I need to think about when considering where…
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Barclays smart investor removed platform charge
Received an email from BSI to inform its free to hold investments on their platform from 31/5/26 and name is changed to Barclays Direct Investing
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NS&I 5 Year Index Linked Savings Certs vs Cash ISA over 5 years?
I appreciate no crystal ball etc., but with the way things are and assuming no need to access funds in the next 5 years, what would you be inclined to do? Leave funds invested in a 5 year ILSC term or withdraw and maybe invest into fixed rate cash ISAs every year (starting with 20k 2026-27) - with the balance in an easy…
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