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BSSI inaccuracies
Earlier in Jan I filed my tax return with my interest figures, I also requested a copy of the BSSI they have for me My interest figures show I am just below the threshold for paying tax on it. But HMRCs figures are much higher due to old accounts, long since closed. Do I need to go back to HMRC and give them details of…
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Vanguard cuts LifeStrategy fees and reduces UK bias
Announcement from Citywire:* Vanguard is cutting fees across its £52bn LifeStrategy funds and reducing the range’s bias to UK assets. * The passive investment giant will reduce fees on the multi-asset funds from 0.22% to 0.2% on 27 January. The funds’ allocation to both UK equities and bonds will meanwhile be cut between…
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Looking for an investment
I'm looking for something with a track record & good future potential to grow or yield around 5-6% annually over 5-10 years , monthly volatility is fine , low risk but some risk of underperforming but not more than 1% below BoE interest rates and very resilient to a tech sector crash, with reasonable good resilience to an…
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Cash house buying or 50% investment / mortgage
A bit of advice please , looking to buy my first property this year at the age of 50 this year. Have enough to buy the house outright if needed ( around 250- 300k ) but not too sure if this is the right approach.. Would it be sensible to use 50% cash for the deposit make up the rest in a mortgage ( around 4% ) and invest…
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Principality - Move money between accounts - changed procedure
This morning I used the Principality Building Society website and clicked "Account Services - Move money between Principality accounts" as I do at least once a month, and it generated a secure message requesting that I wished to move funds from one Principality account to another, which had to be actioned by a member of…
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Hanley Building Society
Hi all, Can't see this posted anywhere else on here. In the local paper to Stoke on Trent today, its reported Hanley Economic is facing potential organisational changes and jobs could go. No need to panic as savings protected. Quote: JOBS could go as one of Stokeon- Trent’s oldest financial institutions is facing…
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US Investment plan terminated - USD cheque sent
Anyone know how I can cash a US Dollar cheque? I had some Liberty Global shares, that split and a few went over to the US.... I've now had a cheque advising "??? plan was terminated, and all shares were under a mandatory cash payout.". They've sent me a US cheque and advised via email that they cannot add a Direct Debit as…
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Selling foreign shares
My friend is the executor of a will and there are some foreign shares involved. Probate has been granted but the solicitor cannot deal with the foreign shares - when I looked up selling foreign shares it just says you have to do it through a broker - any advice or is it just a case of going online etc
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Where would you put proceeds of a house sale
Topic started at work and been bouncing back and forth all week. If you had £500k from the sale of a property, and wasn’t going to buy another property, how/where would you save it? If you was a non earner medium attitude to risk, I wasn’t sure how you would distribute the money, as even if the sale finalised in March,…
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Advice please with a Clerical Medical Distribution bond.
I have held a Clerical Medical Distribution bond since 2001 with a opening value of £20K, it current value is about £24.8K, I have taken several with drawls of £1K, on the last with drawl I had for the first time pay tax on the with drawl. I would welcome advice on a few issues with the bond. 1. Is it a good investment to…
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Marcus 4.55% fixed rate savings account
Currently, a top pick. Seems easy to set up. Anyone had any issues in the past either setting up, during the term or at maturity?
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Stock updates
Is there anything that exists that you can get updates on a particular stock sent to you? By this i mean, any news articles or impt info relating to a stock. I own a stock that I want to watch and keep up to date on any developments
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Online only banks, Atom ZOPA etc
Attempting to squeeze the best out of my savings, I have decided to venture into the scary world of online only accounts! First foray was Atom and having downloaded the App to my phone, I was irked to find that they would not proceed with the install until I had set up and activated the phone's security features and I had…
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Self assessment
Deadline for submitting 2024-2025 is 31-01-26 is that correct? If submitted mid January when would you have to pay any tax due? Can you be asked to make upfront payments for 25-26?
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Trading212 selling query and gold or silver?
Hi all, I signed up to the Trading212 offer last month and now up to around £155 from the £100 investment with the £50 free shares (H&M). I put my £100 in Vanguard FTSE All-World (Acc) as a suggested safe option. I am curious about gold and silver as they do seem to be on general upward trends and seem an obvious…
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Ramin's 60/40 conundrum...
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Lifestrategy
Vanguard is launching a new Global Lifestrategy series with normal global weightings. They are also reducing the equity home bias in the existing Lifestrategy range from 25 to 20% and bonds from 35 to 20%. There is also a small charges reduction. Do they think last years jump has shot its bolt, or the large UK part has…
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Cahoot - great 4.31 rate but very poor website design, not updated (since launch?)
Wonder what your thoughts are, would enjoy counter viewpoints and any thing I didn’t know. I've searched around the forums here with "Cahoot" and not found similar experience. Having been a customer of Cahoot for their good rate on a savings account many years ago, I’ve signed up again for a Cahoot account with the 4.31%…
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US tariffs on UK impact
I just read that there might be US tariffs imposed on the UK. Sadly it's the weekend so the market is closed but how do you think will this impact the FTSE100? I have some money on it and don't play with it but I wonder if it would be a good idea to sell for now just in case the market takes a dip due to this like it did…
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