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Six By Nico Investment
Just had the email about this, good investment or stay away ?.
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ISA or Gold?
I have recently been looking into putting 20K into an ISA which is the full amount for the year. I had a 3 year fixed term saving's account with Nationwide and it matures in Sept 25. The bank informed the HMRC of my savings and interest gained for the 3 years and I recently noticed that the HMRC changed my tax code at…
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Premium Bond Higher Prize Winner?
It was asked recently if we could get an indication of those on the forum who've won one of the higher Premium Bond prizes. That being - Single prizes of £1,000 or higher. This poll won't provide any useful information relating to probability of winning bigger prizes. There is plenty of information on the other thread…
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Gift of cash. Is it just IHT we have to think about?
Our daughter is going through an amicable divorce. The house is owned 50/50 between her and her partner, and she would like to buy her partner out. My wife and I are considering a cash donation to enable her to do this. We're guessing that IHT rules will apply. Ultimately this sizeable chunk of money will go to her…
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Compound interest question - closing account early
I generally understand how compound interest works, and the difference between gross and AER if interest is paid monthly. However I'd like some clarification on how interest is calculated if you close an account early. Example: I have £1000 in an account earning 5%. If I close the account after exactly half a year, I…
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RCI bank experiences
I set up the 4.6% saver a few days ago I couldn’t make any deposits until the code came in the post. This came yesterday and I have set it up now. I’m not too comfortable with process from making a deposit, you do not name yourself as the payee and you have to use a very long code as a ref that cannot be pasted. I did a…
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LHV Bank app confusion
I went to 1 Year fixed and picked the first one LHV. On my
computer this is. I went to their website and I am told that I have to get
their app using google play. I am fearful of these things as you don’t know
what you might install. I installed the second as it had the same logo but was suspicious
as it appears as LHV AS…
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Advice needed for CGT when selling shares
Hi everyone I hope this is allowed. My husband has been paying into a company share save scheme for 5 years which has reached maturity and we have an initial investment of 18k which when the shares have been purchased and sold will be worth around 45k. We have been given some advice that seems to go against everything I am…
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FTSE @9,000 for the first time in its history
Richard Murphy, there is a stock market crash coming Posted on July 31st 2025 We've seen it before — 1929, 1987, 2000, 2008, 2020. Markets rise, then fall off a cliff. But this time, the economic damage could be worse. Trump's tariffs, political incompetence, poverty, and debt are all tightening the screws. In this video,…
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Implications of Junior ISA opened by grandparent
Hello! A few years ago, I opened three Junior ISAs for my grandchildren and have since topped them up. I understand that I am entitled to contribute but not to open. This is only for parents. They have naturally grown through interest but I am concerned that they may be cancelled and refunded without interest. I am…
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Do you lose one days interest when moving money across accounts?
I made withdrawal from Monument to place money into RCI & Skipton the money came into a current linked account, but the other two accounts aren’t ready yet so today I’ve shifted it back into Monument rather than have it sat there earning nothing and I will have to do the same when the accounts are ready to receive…
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Woodford
https://www.trustnet.com/news/13455011/woodford-slapped-with-huge-fines-and-management-ban-by-the-fca It always amazes me how long it takes anything to be done in this country for things that are so obviously self evident.
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NS&I Income Bonds - Is each bond £500?
Hopefully a simple question, but I can't find the information on their site. Can you only put money into the bond in multiple of £500? (i.e. £500, £1000 etc.) Or is the minimum £500, and after that I could put in, say, £1234. TIA
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Savings account for large intial deposit
Advice needed, please! My Daughter has a lump sum of £28,000 from the sale of her house. She is currently living abroad but plans to return to the UK within the next 2-3 years. Her money is currently in a UK account, but she is only earning £65 per month interest. She is not particularly money savvy and doesn't know the…
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Virgin Money Regular Saver
I have the 10% regular saver from last summer. I've been paying the max £250 in each month. Can I not make any more payments and just leave what's there accruing interest at 10% until it matures please? Or do I have to continue making a minimum payment?
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SVS Securities - shut down?
I tried to access my account this morning and it just times out (eventually). There are some rumours online that it shut down yesterday, but it's not exactly plastered all over the place, and I've never heard of the sites carrying the rumours (so no idea how reliable they are).…
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Trading 212 - missing bonus?
I put something into Trading 212 as one of the MSE top picks for savings in January this year. Unfortunately I did not make notes and the info they provide is very scanty. I believe the deal I got was a bonus (£100?) after six months but that time has passed and all I'm seeing on top of the original sum are the monthly…
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my dad bought shares in my name over 30 years ago - is there a way to find them
He didn't do it out of the goodness of his heart and it wasn't for my benefit. He's long gone now, but I'm just wondering if there's some kind of database for share ownership? I've got a vague idea some were in Lloyd's Bank and BT but, ah me, it was such a long time ago
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Tax and Profits
I have posted about how to make my money (all within ISA) work best for me - thank you for all the helpful replies, that was more straight forward for me as it was all tax free. However, as I have now used up my ISA allowance and I do not have 'partner/ spouse' to split the allowance'. I need to rethink of my options. As I…
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The rule of 70 explained
What Is the Rule of 70? The Rule of 70 is a simple formula used to estimate the time it takes for an investment to double in size based on its growth rate, taking into account compounding interest over the years. By dividing 70 by the growth rate percentage, you can quickly determine the doubling time. How Do You Calculate…
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