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Which Isa?
Looking to transfer 20k plus interest accumulated laster term with 212 ...but now need to transfer to a high interest Isa and 212 has dropped to 3.6%. Can keep it in but im reluctant to commit to a fix due to growing speculation of interest rates rising . Thoughts ?
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Teachers Building Society - Teachers Savings eligibility
Does anyone have any experience or insight into what Teachers BS define as "education professionals"? I'm employed at a university but in a non-teaching role. Would I be okay? I did look through their website but couldn't find any real details. Perhaps they acknowledge some ambiguity is helpful...
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No UK equity income ETF
There are equity income ETFs for Europe, the US, emerging markets, global... but I can't see any for the UK. Why is that? Surely there is demand.
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Short term gilt yields
I’m trying to understand how the forward short term base rate is reflected in gilt yields. My starting point is https://www.bankofengland.co.uk/statistics/yield-curves > Latest yield curve data > OIS daily data current month > fwds, short end / fwd curve. It shows six months forward at 4.24%, 12 months forward 4.37%, 18…
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Pension and investing.
I've got a PP with 90k in and ive approx 60k in cash to invest. I have spoken with an IFA about how to manage these as I want to generate about 500pm, to add to a work pension thats already paying out. I've got 5 years until I get my state pension. I got the distinct impression he was reluctant (somewhat) to take me on. So…
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Closing old Coop Smart Savers
My Coop RS matured today and rather than paying the money into my existing Smart Saver (with a zero balance) they created a new one. I guess it's the same account number just a different name and rate. Anyway I've moved the money away, and requested a new RS, but can't figure out how to close the 2 redundant Smart…
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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Cahoot simple saver interest rate
just opened a cahoot simple saver as tops well know bank savings interest at this time. It advertises, as does the confirmation email, a 4.17 are interest rate. on opening the account, it now shows 4.07%, it doesn’t state if that is see, simple rate. On contacting them, it’s the simple rate as getting paid interest monthly…
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Savings interest
Apologies if this is in the wrong forum, I need some help to clarify interest on savings and how much I can receive before I pay tax on it. My situation - I don't work as I am a carer, so receive carers allowance weekly, have done the marriage allowance transfer to my husband. We have some savings and they are earning…
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Royal Mail Shares
Has anyone been paid out for their Royal Mail Shares ? I didn't reply to the initial communication as I couldn't find my share certificates. It did say that a reply was not essential. I received a form to claim 'my payout', as a 'dissenter' some time later. I could not locate all certificates, but again, it said this was…
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St James Place
My previous adviser left St James Place and we switched fees off. Another St James Place form PFP Wealth from Wakefield has written to me and my wife twice and have been calling us. It all seems very pushy.
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Haven't had my royal mail shares payed into bank after sell off.
Hi everyone….. I've not been in country working....I totally forgot about my royal mail shares. Since the company was bought by Křetínský..…Those that didn't reply ( including me) does anyone know who I contact to get it back...Many thanks 😃
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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LF equity income c gbp account
I have 12,680.70 of these post Woodford shares, taxable cost £2523.98, market price .86p market value £109.05 according to the latest statement on my Charles Stanley ISA I can’t sell them on that platform. I don’t have capital gains to set the losses against because all my shares are either in ISAs or pension funds. Do I…
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Nottingham Building Society - new logo and branding
Hoping this means they'll be launching a couple of half decent products rather than just paying for some buzz word bingo makeover about a 'fresh new look' that most of us don't care about. We’re so excited to introduce Nottingham Building Society’s fresh new look, reflecting our commitment to inclusivity, progress, and…
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What are people doing right now?
Hi all, Quick sense check. Currently have £8,500 uninvested cash in a JISA for my 3 year old - so minimum of 15 years until it would be accessed. The remainder of the JISA has been invested in a combination of LS100 and an Invesco all world tracker. Should I just ignore the noise and get the £8500 into the funds now? I'm…
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Where to keep funds in short term
I would like to know what to do with my S&S ISA funds while I think about how to reinvested them for up to a month? As not earning much interests in ii I was going to put it in a Cash ISA and transferring back into ii. But I have 3 transfer into ii and 3+ weeks have passed and the transfer out providers have said they have…
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Following Passive Investing
I followed a link given for the Monevator site and came across an article about Passive Investing. I wanted to find out more about this by looking at the ETF's they talked about. When I went to a couple of the platforms I've seen mentioned in this forum, I couldn't see those ETF's. At first I thought that was because I was…
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Gin Bond 2 Holders: Why you should REJECT the CVA proposal
Hi everyone, I’m writing this because, like many of you, I invested in Gin Bond 2 and I am deeply concerned about the proposed CVA (Company Voluntary Arrangement) from Glug-Glug Ltd. I’ve spent some time looking into the details and the news coverage, and I’ve decided to formally reject the "debt-for-equity" swap. To me,…
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