Savings & investments

If I compare 2029 and 2038 nominal and index-linked gilts, looking at the YTM of the former and the real yield of the latter, I see: Nominal: TS29 4.86% TR38 5.54% ILG: T29 0.84% T38 2.14% If I understand correctly, the difference between the two shorter and the two longer dated instruments should be about the same, but we…

Hello All, I have 15k savings just sitting in my bank (not much I know) but I want to start looking into ISA's, savings account to get as much as I can. Looking to leave it for 5-10 years . What would be the best way to make that money grow? Thank you

I think it is time to de-risk my portfolio, held in an S & S ISA. So where do I begin? I am not interested in the tax advantages that gilts offer, and I don't mind some risk, so I could certainly include some high-yield corporate bonds: they have got to be less risky than Biotech! I am not really interested in a 'gilt…

these are the 3 big areas it makes sense to put most of my money but in what proportions? i have a few thoughts……….. property: somewhere to live, no rent to pay, tax efficient being your own home, not counted against in a benefit claim pension: 25% uplift on contributions due to tax relief, however may not have much choice…

Just looking for some advice I have in recent years used Kent reliance fixed rate ISAs to save into, making regular deposits of varying amounts. Now they have changed it and I can’t make regular deposits I’m looking for the best option for savings. Would it just be a regular savings account? im not really sure about the…

I have a fixed term savings account with OakNorth due to mature shortly. OakNorth touted exclusive loyalty rates available for extending for a further period. Exciting! I rushed to check them out… How disappointed was I to discover that they offered a whole 0.01% extra in comparison to their advertised rates (and…

Apologies in advance for my ignorance in the matter of ISAs. I currently have 20K in one FRCA ISA which will mature on 28/10 this year. I want to reinvest the full amount into a new ISA with a different provider. I will have additional funds amounting to approximately £12500 which I would like also to put in an ISA so the…

Hi all, has anyone had experience of Atom Bank? I like the idea of a 6 or 9 month fix. Good or not (the bank, I mean)?

I understand that a Saffron BS Online Bonus Saver processes payments in and out on the same day if made before 4.00pm on a working day. How long do in and out payments take?

Hi, I’ve mistakenly opened two isa,s in my name, meant to open one in my wife’s name but mainly due to moving house last week I stupidly opened another one in my name. I am assuming I would just get taxed as a normal account and it would be no advantage if I closed an older isa account? Any advise would be welcome

I gifted some shares to my wife back in the mid 90s, resulting from my company's profit sharing scheme. We are now thinking of selling some, but finding it very difficult to calculate potential Capital Gains tax liabilities, for many different reasons! Demergers, name changes, share consolidations etc etc and we don't even…

I am potentially going to avoid buying a property, and instead lodge or rent. So I will have over 100k to save which I can't put into an ISA or pension all at once. Talking to AI suggested I could put 50k into premium bonds. It also said the remainder I could buy GILTS which have a short term such as TN28 as another way to…

my IFA (who is also my son) decided that he no longer wants anything to do with me, do not know why, but in September 2025 he stopped managing my portfolio, which is with Quilter, he did not inform me that he was going to do this, and I only found out this week, when I realised that there wa no advisor fees coming out. i…

I recently won £10,000. I knew for a couple of days this was coming so I opened a Cahoots savings account to get ready to receive the cash. I put £100 in to set it up. You have to wait between four and six working days to get your two letters with a username and a 5 digit security number. I received these and tried to log…

Question please about downgrading a Natwest reward account. Firstly if I downgrade to a Natwest everyday bank account can I still have a Digital regular saver? If not will this just close automatically and the contents transfer to the everyday current? 2ndly I've got £5 cashback pending which will probably not be available…

Checking my PEP this morning…I've a feeling this might be a high point this year the way things are going generally.

Just out of interest. Does anyone know why it takes so long to do a transfer from Charter to your linked bank account. You have to request the transfer before 3pm for it to arrive by the end of the following day. Bank holidays and weekends don't count so could be 4 days on a bank holiday weekend. Are they doing this…

Hello, I'm invested in the OEIC fund on Vanguard Investor. Has anyone just gone all out and swapped their entire holding for the ETF version yet? I mean all at once, rather than drip feeding large chunks "incase there is a large shift due to world events"? I'm aware pound cost averaging will cost £7.50 a purchase, but this…

Good morning all! Last year i withdreww all the cash from my shares. This morning i recieved a dividend payment. Does this mean i still own shares? Am confused!

Hi My grandchild has a bare trust containing SMT . They will be 18 in a few months. Im trustee. Ive already been selling and removing some of it over the last few years into their cash isa . No room in the isas for this year now, but I sold about a10k part of t of SMT last Fri as I felt suddenly uneasy it would drop a lot…