-
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?
-
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…
-
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…
-
Faster Payments under maintenance Saturday 22nd November
Logged into my Principality account and there is a banner across the top stating that the faster payment system will under maintenance on Saturday 22nd November.
-
Bond fund yields
I have a few
questions about bond fund yields. First, what is the best way to get an
accurate forward/distribution yield? Is HL accurate, showing eg 3.97% for Fidelity’s
gilt fund? Second, to what degree is
there a correlation between a gilt fund and a nominal gilt with a similar duration
(or is it the maturity of the fund…
-
low risk bonds or equities in SIPPs
Hi I am starting to derisk my SIPP from equities and rather than put in to cash within it I wondered about bonds or low risk equities (is there one i wonder?) - what are other people doing for this? I have cash in ISAs and premium bonds and also a managed equity Isa already. - thanks
-
Transfer ISA from T212 not possible?
I signed up to Monument but they don't allow transfers in from T212, I haven't got more than 20k in, so can I just withdraw it and put it back into the Monument ISA or does it have to be transferred to another provider first?
-
S&S isa inc vs acc question
Hi ive just rebalanced my Charles Stanley direct S&s isa selling a pile of equities to purchase some short term money market funds / fixed income things Tired and in a rush I accidentally put in an order for the inc version of this fund rather than the acc; Royal London Short Term Fixed fund (inc) I don’t want income (yet…
-
Santander EDGE Saver renewal
I just noticed this month's interest payment was lower than previously so assume this is due to the bonus expiring - for Issue 2. What is the best way to renew this to get the new Issue 4? Ideally want to be able to get a new one without contacting customer services. I hold a second EDGE saver opened earlier this year. I…
-
S&s isa, platform and funds
Hi i want to start paying 10% of my net pay into an s&s isa Im thinking of either ii, fidelity or vanguard as the platform. And a world equity tracker for the fund. Any view on this, what do you do and why?
-
Best place for a small amount of savings for easy access.
Hi I have a small amount of savings that I want to keep handy but in an account that is paying more than the paltry 1.15% I am getting from my bank. For clarity, ISA's allowance for both of us are filled for this year. Currently have other savings in place, hubby is a 40% tax payer so only has savings that will qualify for…
-
How do you track all savings/bank accounts including those such as T212/Chip/Atom?
I’m trying to find all my ISA/savings accounts I’ve used over the years. I’ve switched them from one to another and trying to remember where I’ve put them I used to have a spreadsheet but cannot locate this I’ve used ‘my lost account’ but this doesn’t show everything I’ve also submitted a subject access request with HMRC…
-
SORRY MARTIN, PREMIUM BONDS NOT SO SAFE AFTER ALL.
This is a cautionary tale about Premium Bonds. In Martin's blog he describes Premium Bonds as absolutely safe in that you cannot lose your initial investment however long you may have had them. That has not been my experience! I bought 40 bonds about 50 years ago and decided to check them a few weeks ago. I discovered that…
-
What to do with my shares?
I have shares in Diageo from a previous job there. The value has more than halved from £40 in 2022 to £18 now. I am considering taking £5000 a year and placing it in to my workplace pension through salary sacrifice, which with tax relief would increase the value to £25 I believe. The other possibility would be to move it…
-
MSE News: Safe savings limit to rise to £120,000 – how to make sure your money's protected
If your UK-regulated bank, building society or credit union were to go bust on or after Monday 1 December, more of your savings will be protected. This is because the standard amount covered by the Financial Services Compensation Scheme (FSCS) will rise from £85,000 to £120,000. The protection on temporarily high balances…
-
Pay underpaid tax now or leave it?
I've just received a letter from HMRC saying that I underpaid tax in 2024-2025. This is because the amount of interest on savings they estimated I would receive in that year was less than the actual amount. They say I can pay £650 now or else they will take the amount out of my Civil Service pension by means of the tax…
-
Chip technical issue 18/11/2025
Hi everyone My post was about a technical issue this morning whilst transferring money to Chip. It looks like it's an issue on their end that they are aware of and are allocating payments manually if affected.
-
Index-linked gilt, inflation uplift
I've just received my first T29 coupon payment and the DMO's site (https://www.dmo.gov.uk/data/ExportReport?reportCode=D5I) nicely shows how it is calculated. I hold 45283 units so *0.125% coupon, 50% of that (6-monthly coupon) *1.70874 (index ratio) = £48.36, the amount credited. My question is whether taking the…
-
Halifax Halifax Group plc Historical Share Price on 10 Feb 2000
Hi, I've seen a few threads on this type of topic, but unfortunately nothing answers my query. For Capital Gains Tax records, I need to know the share price for Halifax Group plc on 10 Feb 2000. * I've tried emailing archives@lloydsbanking.com (as suggested by AI) * I've tried Yahoo historical share prices but they have…
-
Sidekick Money Ltd - Safe to use?
As per the 2 x top savings threads in this forum, Sidekick Money Ltd are offering a 4.89% easy access savings account provided by GB Bank (part of this is % a bonus for 12 months)... https://www.sidekickmoney.com/savings Does anyone else feel a bit nervous about using Sidekick Money?I think it's just because I've never…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.4K discussions
162.2K comments
Most recent: Cash ISAs: The Best Currently Available List by Patr100
Today at 10:52PM
