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Let's discuss... corporate bonds
There is
surprisingly little discussion of corporate bonds on the forum. That surprises
me, both because they comprise a huge market – higher overall market cap than
equities – and because I see them as a good source of diversification and income.
So I thought I’d start this thread. There is a
sizeable contingent of people…
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Does money paid into Pension pot count as savings?
So me and my wife (mainly me) are the boring people and track all income and outcome on a spreadsheet. (12 tabs for months, 1 tab of Taxable Interest, 1 tab for savings, 1 tab for dividends, 1 tab of ISA Interest and lastly 1 tab as my dashboard.) In the Savings tab, for this tax year I said "well the money I pay into my…
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Zopa transfer issue, help!
Hi I’m having a bit of a nightmare and need some advice of how to proceed. I made a transfer from my Zopa smart saver to my Santander linked account last friday and the money never arrived. I’ve used this previously with no issue, and have tested another £1 since that also worked fine. Zopa are insisting that the money…
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Anyone else having issues with Hargreaves Lansdown web site using latest version of Firefox?
Maybe slightly off-topic (and apologies if this is posted in the wrong forum), but I've just come back off holiday and noticed that my Firefox browser has updated to the latest version (152.0.5 (64-bit)). When I log into Hargreaves Lansdown and click on any of my investment accounts, the tabs load, but none of the actual…
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Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshireChorleyDarlingtonDudleyEarl…
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Barclays behaviour
A couple of days ago I tried to login to Barclays online banking and was met with a landing page that informed me that I was gong paperless today. "As soon as you continue into online banking, you'll be paperless" "By continuing, you agree to become paperless" and a big blue button to click labelled "continue to go…
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Keep LISA open after house purchase?
DD is using her LISA funds for a first time buy. She has the option to keep the LISA open. What would be the advantage on doing so? Or downside?
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west brom 4.9%
decided to take the offer from west brom bs 18 months 4.9%, cant seeing rates going past that in 18 months but thats part of the gamble
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Paying Capital Gains Tax - process
I recently sold some shares that I purchased through a work scheme. My profit was roughly £3,600 so I'm around £600 over the allowed threshold. What is the process for paying CGT?
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Security Phone calls
I can't access my NSandI account, as when they make the security phone call to send the access code, the call doesn't come through. I've tried it many times, and it still doesn't work. I've complained to them, and they say it happens sometimes. It's happening every time, so I can't get into my account. I have the App on my…
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Seeking UK-Australia financial advisor
Can anyone recommend a financial advisor with knowledge of both Australian and UK financial landscapes, with specific experience in property, estates, investment, tax in both jurisdictions and superannuation/pension? I'm looking for someone who really knows their stuff and can offer a one-off review and planning session…
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Investment Clubs
Hi Guys, We are a bunch of 10 retired guys who meet monthly and run a small investment club in our village. Our current broker (Interactive Investor) have advised they are removing the service for clubs. We've looked at other brokers who have some legacy clubs, but none so far are taking on new or transferred clubs. Does…
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Council Bonds, finding?
Hello, Have some old council bonds description and their ref numbers, any idea how to find the value, if any?
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Better to move savings from a Cash ISA for this Lloyds offer?
Hi all, Lloyds have offered a £75 bonus if I open a savings a/c at 3% AER with £2001 for 6 months. To do it, I'd move money from a flexible Cash ISA at 4.19%. I'm a basic rate tax payer but am within the £5K interest allowance. Is this something I should consider? (My mind is muddled with the math.) Many thanks. :)
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About to inherit about 160k
after probate I will be inheriting a serious amount of money from cash in accounts and half of house, also have money split in 2 premium bonds accounts, one maxed out, where we have been saving our deposit, we will be in the position to buy our first home outright, and in our late 50’s think is a good thing to do so we…
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Bed & Isa
Hi. Lookng for some advice pls, I previously worked for a large US corporate where I accumalated £75k of shares, now I want to sell them each year to stick into a stack & shares ISA 20k at a time. I understand from an accountant that the price I work from is the day I was made redundant and any profit from that day I need…
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When is monthly interest on a fixed rate bond 1+ years actually counted by HMRC for tax liability?
For example a one year fixed rate bond that will pay interest monthly to an external account. There are nine months before the tax hike from 20% to 22% in April 2027. So potentially nine months of interest taxed at the 20% rate before the new rate next year. Then three months interest at 22%? But do HMRC actually receive…
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How to look after a sudden large amount of money
I have come into a large amount of money, due to the loss of my husband. 6 figures. I will also be getting another smaller sum of money in the coming months due to redundancy. (breakdown pending with 2 huge blows to my life!) I am after advice of how i should look after this money for the future of myself and my 3…
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Found money , how much can i invest long term to accumulate
Slightly jovial thread ……. found 5p today in a car park and like others occaisionaly find a coin. This thread is to accumulate any other finds and invest purely for fun to see how much free money we can make over time…….. Guessing there are no investments that will accept 5p …… but open to ideas , thoughts etc…. So current…
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Electronic share platform charges
Hi I have shares held electronically at HL, my shares were purchased over 20 yrs ago, I don't do share trading, The service was free but now they've introduced monthly charges. I asked HL to revert to paper certificate so I stop using their services but they said they don't issue paper certificates. I don't want to pay…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Transferring a Cash ISA to Ha… by MiserlyMartin
21 September at 11:35PM
