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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.5% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……
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Streambank
Another name on the leader board for 1 year fixed rate savings. Anyone got experience of this bank?
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Aegon - Online Security Issue?
I’d appreciate views and opinions about a disused financial account please… I once held a Stocks & Shares ISA with Aegon/Cofunds. In 2019, I transferred all funds (and associated cash) to another provider and requested Aegon close the account. Long story short – as of today, I can still login to the online account where…
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FSCS protection - ISA and SIPP, same fund
If I have the same fund invested in both my SIPP and my ISA and the fund defaults, do the FSCS protections allow max £85k protection or 2 x £85k protection?
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Great British Invest off or Passive V Active Portfolios
For those who are curious to compare their Passive or Active investment strategies I’m starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517 If this thread is restricted to Portfolio constituents only it should make life easier as…
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Spreading investments between platforms
I have what is to me a significant proportion of investments on a single platform all invested in ETF's to take advantage of capped platform fees (excluding the JISA which is in an OEIC fund). SIPP is 100% equities (same for work pension and LISA) and ISA is around 75/25 equities/bonds. I held SGLN for a year and a bit…
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What counts as income for savings allowance calculation?
Hi all - I searched but couldn't find a clear answer here on the forum (or in one of the articles or on HMRC site). I'm trying to figure out what counts towards your income in the year in terms of figuring out what the savings interest allowance is. E.g. £50,000 PAYE earnings before tax but after pension contributions £…
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Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?
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SIPP for stepson
Hi Trying to find the right product but there are so many ! I’ve had mine a while and they aren’t quite what we want Stepson is self employed and a carer for family . We would like to start a sipp for him thinkin a small lump sum under 500 and then maybe a low regular payment what products would you suggest ? thanks in…
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Change of share registrar
Does anyone know if there are any rules/regulations on what happens to shareholder documentation when a company moves from one registrar to another? I've got shares in SSE, and until Dec 2023 the registrar was MUFG (Link Asset/Signalshares as was), so all my dividend notices and other financial info was there. After Dec…
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Cahoot Sunny Day Saver Question
Hi, Re Cahoot Sunny Day Saver I might be over thinking but, the wording on the website doesn't seem very clear to me. £1 - £3,000 pays 5% interest £3000+ pays no interest I'm guessing that this means that I will get 5% interest on the £3,000 but no interest on the bit that is over £3,000 (Not NO interest on everything…
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Fixed saving rates / bonds
Hello, I'm new to this forum so apolgies if this has been dealt with before. The best fixed savings rates I can find seem to be around 4.5% per annum - that includes MSE. The only alternative seems to be something like Hargreaves London who are offering 6% on a 2 year bond. Can anyone help me understand how HL are able to…
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Future Planning
Would an Cash Isa be better than opening up a Premium Bond with 20k under the current climate?
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Calculating Capital Gains liability in advance of selling
I've had a Moneyfarm General Investment Account for several years. I would now like to sell some assets, but do not want to go over my annual Capital Gains allowance. I have tried to make sense of the HMRC HS284 guidance, but it is not easy reading! Over the years Moneyfarm have made many acquisitions and disposals, but…
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Single premium investment bond - tax mitigation
I have a single premium investment bond that I bought around 25 years ago. It's worth around 4 times what I put into it, and I withdrew (tax free) around a third of the original premium. If I cash it in now or when I die, there's income tax to pay on the taxable gain = the gain in value plus the one third I already took…
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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
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Limited access account - monthly interest
Does any one know of a limited access account or a short notice (eg 30 days) account with a good rate of interest (4% ish) that pays monthly interest? I'm semi retired and want to access interest instead of using capital.
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are: * Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Rebalancing the portfolio
Hi All, I'm currently 90:10 split of equities/bonds and am at the point where I think I'll be retiring in the next 4 years or so, and am looking to rebalance down to something like 70:30. My currently thinking is to have up to 2 years' cash in cash isa/ns&i/short term money market fund (for easy access, on top of a…
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Most recent: S and s ISA tax on sold shares by eskbanker
3 July at 11:32PM
