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Help planning future investments - mortgage or invest or property.
hi I know this is a privileged position to be in, however, I want to make sure I'm making sensible choices. I know none of this is financial advice, but I want to see if I am missing something. I have an income of that puts me in the highest tax bracket. I have completely maxed out any pension contributions. I have filled…
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which investment website to buy paper gold or physical gold investment for learner study?
I want to learn investment myself, which website/platform is learner friendly and lower fee? I was using barclays bank for shares, but I stopped learn it after losing a couple hundreds pounds, it seemed the gold market is good for the furture?
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Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
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Gold sovereign purchase and first world problems
I've recently been handed an early inheritance in the form of a large wad of cash. Not a huge amount but more than is sensible to leave in the house. As I can't let my family and therefore my partner know (I love her, but she will tell someone) I was thinking of buying gold sovereigns as they're easier to hide and more…
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personal allowances , "starting rates" and marriage allowance
Hi, have OAP pension of £10595.52 (24/25), annuity £1119.oo Service pension £3766.52 gross (paid £325.40 tax on this)and was paid £275.00 gross (paid £55.oo tax on this) for an odd job. My wife (Non tax payer) transferred marriage allowance to me £1260? . Does the transfer of marriage allowance add on to my personal tax…
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Cahoot Not Paying Interest on exactly £3000
In April I opened and credited a new Cahoot Sunny Day Saver and chose to have the interest paid monthly. This account states that it does not pay any interest on balances OVER £3000. Fair enough. It also states you can "enjoy 5.00% interest on balances UPTO £3000". I have exactly £3000.00 in the account and having checked…
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Is ChatGPT right about our economy?
Is it true 🥺 ?
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Personal Savings Allowance guide
Hi! This is the discussion thread for the Personal Savings Allowance guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks,
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Tax code change by Savings income
Hi, I live in Scotland and have the following query I hope someone can answer. I earn £43000 per year and have made approx £5000 in savings interest over and above this. I know the savings income is calculated on the English tax rates so as long as my combined income and savings is under £50270 I won’t enter the higher…
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Finding acquisition costs
I own shares in two investment trust companies which are both now held in a general investment account on the Fidelity platform. I acquired the shares over a period of time in the 1990s and early 2000s by investing monthly. After I stopped investing in the companies (probably around 2005) I have (until very recently) been…
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Lloyds Banking Group certificated holdings ,
recently my brother in law passed away, he didnt have a will so while sorting out his affairs we found that he and his late mother held some shares in Llyoyds Banking Group, following this we contacted Equiniti who confirmed they did hold some shares, we have so far managed to register my wife has next of kin and register…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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Natwest Digital Regular Saver - interest rate going down
Email from Natwest stating the 6.17% rate (upto £5000) is going down to 5.50% from the 30th May. The rate above £5000 is reducing from 1.25% to 1.15%.
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Assistance with UK-Based Savings Accounts (Non-Resident)
I am a British citizen living permanently in Portugal, and I currently hold savings accounts in the Isle of Man and Guernsey However, since IOM and Guernsey are classified as a blacklisted jurisdictions under Portugal’s IRS rules, interest earned is taxed at 35%, which I want to avoid. I have access to a UK address for…
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Fixed term bonds for expats
I am a UK citizen living in France. I would like to invest in a fixed term bond but most banks require a permanent UK address. I would be grateful for any thoughts.
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Salesforce Authenticator App
Opening a Progressive Account this morning had no choice but to download this App as I don't use WhatsApp. Having downloaded it and used it I can see no way to log out of it. Am I missing something? If I was to uninstall it would my account still be linked to it. Many thanks
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Transfer Share Certs to IWeb
I want to xfer my LLOYDS BANKING GROUP PLC share certs to IWeb & then sell. I have IWEB & CREST xfer forms in front of me. Certs are for: LLOYDS TSB GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 10p Am I correct in thinking these will need 3 L entries on IWeb xfer form & 3 separate CREST…
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Why do gilts mature at the weekend?
TG25 matures on 7 June, a Saturday. The corporate action notice issued by my platform reads "The 0.625% Treasury Gilt 2025 will be repaid at par on its maturity date of 9th June 2025." That presumably means I lose two days' interest. So why do gilts mature at the weekend... or have I answered my own question: so the…
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Need advice on who to get advice from.......?
Not sure where to post this but it's loosely related to investments I guess, if it needs to be moved feel free to move it. My dad passed away a few years ago and passed his model car collection to my mum in his will, it's about to go through auction and we think it may reach £50k - £60k + which my mum is going to split 3…
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Should I take cash out of my ISA or OIC account?
I have both S&S ISA and OEIC accounts. I've been transferring the maximum allowance from the OEIC to the ISA - already done this year's. I would like to withdraw some cash but am not sure which account to take it from. Until now I've transferred from the OEIC to the ISA but not taken any actual cash out of the OEIC…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21K discussions
158.2K comments
Most recent: Cash ISAs: The Best Currently Available List by nomorekids
30 July at 8:58PM
