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Investment Bonds
I have been left some investment bonds in a will. Managed through St James They have to be split 10 ways and the total value is about 270k. The financial adviser have advised not to encash the total amount, but to split the investment and allow the individuals to choose if they want to "cash in" or not. I need the money so…
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Tax treatment if selling a gilt at a profit
A stupid question but something I've not considered before as it's not something I'd intend to do: Lets say we're talking about T26 which matures on 30/01/2026 I understand that if somebody bought that during 2025 at say 96p they'd receive £1 on maturity and that return to par uplift is exempt from CGT or Income Tax.…
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Santander £100,000 prize draw - closes 30/11/2025
Hot on the heels on the Cahoot prize draw announced yesterday, now a draw for a single £100k prize from Santander. One lucky winner will have their turkey paid for this year. Full details:…
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Investment of £40,000
Hi. We're looking at investing £40,000. Were both retired (60), living off our personal pensions and rental income from a property we own. We're looking to invest £40,000 over 4 years into a medium risk investment. Any advice would be greatly appreciated.
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Transfer Stocks and Shares Isa From M&G to Fidelity/Hargreeves
I have a M&G Global Strategic Fund S&S ISA, can I transfer the fund out to another less costly provider to reduce the yearly fund costs which is currently well over £1k per year on £55k or is this a competitive price Thanks
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Should the tax year be the same for Capital gain and Interest for an Offshore reporting fund?
I have a couple offshore reporting (fixed-income) funds which are still open, but I have made a couple of sells in the middle. The tax year for the interest or the ERI (Excess Reportable Income) should be determined by the fund distribution date (FY2025-2026). The data for the sells would however fall into the previous tax…
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Transfer Cash ISA to Stocks & Shares ISA - remaining allowance has reduced??
Hello, Any help appreciated. I initiated the transfer from Zopa Cash ISA to Trading 212 Stocks ISA, which is now complete. Prior to transfer Zopa app said “£33,424.47 left to save this tax year”. However Trading212 app says remaining allowance is £20,000. I thought as-long as the transfer was initiated via the provider…
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Selling certificated shares
I've got a shareholding I want to sell (worth about £7.5K), and I have paper certificates. The registrar's fees (Link Asset Services) are, natch, rapacious. I used to have a Jarvis X-O account, so I now have a ii account costing me nothing to run (until January?). Is it worth looking for somewhere else to do this trade, or…
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Investment email security
Hi. I have a folder on my Gmail called 'Investments' showing all the confirmation emails etc so that I can keep track of my investments. As it is a gmail account, I can obviously sign onto it online, which is why I don't have the app on my phone. When I log in on my Mac, all the subfolders are there but when I look on my…
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Co-Op Bank Savings Interest Transfer
I opened a Fixed term Deposit with the Co-Op bank all went smoothly with the option of monthly interest to an account with another bank. The terms advise that the monthly interest will be credited to your stipulated account on the monthly anniversary of the account being open , Unless its a non working day and today the…
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Index-Linked Gilts question
In the attached screen shot from Yieldgimp, what can "Gross Real Yield" mean, given that the future yield in unknown as it is a function of future RPI/CPI? Perhaps it is the yield without inflation? So,for T28 for example, which has a "Gross Real Yield" of 0.49%, the gilt will pay at least that yield if held to maturity?…
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Do any UK citizens on here use Interactive Brokers?
I have used the interactive brokers paper trading account (and API) for the last few years and I enjoy it - it is working out quite well. Albeit I take more risks with it being a paper trading account.Does any UK citizens on here use Interactive Brokers: https://www.interactivebrokers.co.uk/ in a live trading account? I am…
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Smithson
I got a nice letter from Smirhson today, which was kind of them since I sold out of the ISA some years ago, and sold my last tranche of unwrapped on April 6th for a gain of 3k to avoid CGT. Apparently they are converting to an OEIC, presumably to get rid of that pesky discount that never seemed to get better and makes them…
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NS&I Green Savings Bond
I missed out on setting up a one year Income Bond Is it worth going with the Green Saver which is fixed for three years at 5.7%
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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oxbury registration and Enduring power of attorney problems
I have tried to register with Oxbury Bank with severe problems. Also they are not accepting my EPA which is accepted by other banks ie Santander and TSB. The bank has problems with chromebooks and android phones . I cannot log i or they will not accept my EPA which I confirmed online in Sep 2007 before the Power of…
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What is the best Global ETF?
Thank you
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Capital Gains Tax Allowance and stocks
The tax free allowance for capital gains is £3,000 a year. If I buy stocks for £10k and they have gone up to £15k and I then I sell for £3k to take them out. Have I then used my capital gains tax allowance? Is it a smart thing to do to get £3k a year?
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Best savings account with easy access, and should I split it?
Hi all, so i was due to buy a new house but the purchase has fell through. My current house sale is going ahead still (long story to explain why) and I am going to rent. So, once the funds are released from the sale I will have around £120k for six months or so until i buy ny next house.. Do i put this in a decent savings…
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Crypto
Have read a few comments on here and TrustPilot about the £200 investment in Crypto and GCW Management Ltd. Regrettably my experience is like so many others and my link to a so called Financial Advise was obtained through this website which I know now was AI generated, so no disrespect to you all. I had no reason not to…
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Most recent: Want to transfer out of my Trading 212 cash isa by 32Bitter
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