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Alternatives to AJ Bell for Funds
At present I am holding quite a lot of cash, via money market fund CSH2 in my SIPP: AJ Bell's SIPP charges for ETFs etc are good, 0.25% capped at £10/mth, but their charges for Funds are uncapped so I am getting monthly bills of £40 or more. I mailed in and told them that they are uncompetitive, and the "Retention" team…
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Royal Mail shares letter offering to buy shares but not stating the figures
I keep getting letters from Royal Mail, which I understand they're sending to all shareholders. They're offering to buy my shares but they've not put a single figure in any of the dozens of pages of waffle. How on earth do I work out what their offer is. They're just wasting everyone's time with this endless nonsense…
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Bonus for WeBull users equivalent to 10 per cent interest
If you're an existing WeBull user you may have a bonus offer.Open the app, click on menu and look at the promotion centre.It's a tiered offer but if you can transfer the minimum of £2,000 then you should receive £100 - equivalent to 10% interest over the six months you'll need to keep the money there for.WeBull has a small…
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Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
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Cahoot
Anyone know why they don't have an app?. Seems nuts to me they don't seeing as Santander do. As with the Santander site the Cahoot one doesn't work properly on my Google Pixel 7 pro phone, frequently have to relogin etc. Don't currently have a working laptop so 😌 Cahoot don't seem to be on social media either 😌
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"income" investment funds
A bit of a newbie question, I've been looking for monthly income funds, and am not 100% clear on what I'm reading on fund factsheets for instance Legal & General Active Global High Yield Class I - Income List an annual return of 9.23% over the last year and a yield of 6.9% Does that mean If I held that fund over the last…
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Dying / Defensive
1. I've been thinking about dying recently. Almost all of our assets are tied up in ISASIPP/investment/dealing accounts, where the proceeds, if extracted, are withdrawn to a nominated current account. In every case this is our joint account. Is it paranoid to worry about the joint account being frozen for a while in the…
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Bonds questions
I've always either saved my money in regular savers/high interest savings or invested in ETFs (World trackers or S&P 500). However, I've started looking in corporate bonds and was curious what the risks are and whether I've understood everything. For example Vodafone are offering (XS0181816652) 5.625% on this bond with a…
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Concept Capital Group - Shut Down by FCA
This is one that was reported on MSE some time ago but sadly once again it appears that the thread warning members about it was locked and removed from view as it's showing no permission to view now (unless anyone else can see it?)…
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Can't login to II
Ignore, I think their site is/was kaput.
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Santander Easy Access Saver Limited Edition issue 3
Santander Easy Access Saver issue 3 interest rate dropping to 3% from 1st August.
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Chelsea BS and NSandI transferring funds and getting log off
At 8am this morning I have transferred £1 out from Chelsea BS to other external bank accounts and the money have no come through The NSandI keep kicking me out - to say I have touched the BACK button which I have not. I would like to ask whether anyone has any problem with either of these (as I was going to pay my sell…
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Difficulties transferring Tembo Easy Access Cash ISA to a new Cash ISA provider
Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…
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Trading 212 credentials
Hi, Just opened a new Trading 212 cash ISA (5.2%) and have found it really difficult to get it accepted by my chosen bank account to feed funds into the ISA. The bank in question is Natwest and they just don't recognise either "Trading 212 UK Limited or "JPMorgan Chase Bank" in their "add a business to pay" field, Natwest…
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Avios/Hotel Points via a Cash ISA / Savings Account
Can anyone recommend an account where I can deposit possibly £1000 per month and receive some Air Miles or some Hotel Points ? Not interested in a Stocks and Shares ISA
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Etrade
Hi guys i had an etrade account in the uk in 2004 but moved to Australia later that year and now trying to track down my shares held in that account, any advice or have i lost them for good ? Thanks for any info
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Life Interest Fund vs Interest accrued in savings accounts
Hello, In my late mother's will, she has requested a post death life interest fund to be setup for my elder brother who has mental health issues. The financial planner has sent through an illustration on how the fund will work but also mentions there is a chance the capital you invest could be worth less in a year or two…
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“Branch only” savings accounts
I’ve been with Kent Reliance for a few years hold a 12month fixed rate ISA that is due to mature in December. I’ve had a few different products with them and they’ve always been good to deal with. Every now and again they introduce a limited edition rate that’s competitive and worth consideration. They currently have a…
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How best to use my £273,500 inheritance?
I’ve recently received an inheritance of £273,500, which is currently
sitting in my current account earning zero interest. My initial thought was to put it into an
easy-access, high-interest account with monthly interest payouts.
Unfortunately, such accounts don’t seem to exist. I’ve found a few online
options (e.g.…
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£600K - prioritise ISA v SIPP for new money?
I'm starting to realise that whilst I don't know what the hell "the plan" is yet I'm starting to have more and more thoughts about doing something to reduce work. I can't put any detail on that as I really don't have any - just finding the idea pops into my mind a little more than it used to. So I'm 49 and right now the…
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