-
Bond ETF suggestions
The bulk of my ISA holdings is now in Vanguard VEVE and a few other equity funds/stocks. I'm looking to start building up a more defensive 20% in my portfolio to reduce volatility and looking for ideas of suitable ETFs to hold long-term, probably bond ETFs, but open to other suggestions too, e.g. gold
-
Buying ACWI
In another thread, a couple of people recommended ACWI as the cheapest ETF for the global stockmarket. I'm somewhat uncertain about how to buy it though. Searching directly for ACWI finds an IShares fund with a substantially higher expense ratio, albeit (I think) tracking the same index. If I search on Interactive Brokers…
-
Cahoot Savings
I was thinking of putting a lump sum into a Cahoot Savings Account. I was filling in the online form and was called away from the computer just as I saw they want to know monthly income and was timed out on my return. I don't have a problem about putting monthly income but I have never come across this before with any…
-
1 year or 2 year fixed rate income bond
My current bond is maturing soon . What's your thoughts on 1 year fixed bond or longer I can get just over 4% on a 1 year or 2 year fixed bond . Or do you think I should go for an investment instead I'm in my mid 70s and do not like risk
-
House sale funds - Savings/investment advice
This week we sold our family home following our 92 year old mother with dementia moving into a private care home. The 920k proceeds are currently sitting in her bank account. My sister & I both have POA & are conscious that within the next 6 months we need to move the funds & spread out across a series of min 8…
-
Is A Financial Advisor My Best Option?
Hi All, I have recently bought a new home that is currently undergoing some repairs. I hope to move in at the end of September. I have not yet put my current home on the market, but a quick discussion with the estate agent has prompted the idea of renting it out. Due to having a second home, I have had to pay a tax of £14k…
-
Virgin money
Have got the virgin money current account with the linked savings account whereby you can create savings pots. Problem is, money keeps either moving in or our of the pots into not allocated. Anyone else have this problem, its frustrating & somewhat renders the account useless when I put money into a pot, then for some…
-
Index linked gilt tax question
For ilg are both the indexed linked element of the coupon and the index linked element of the gain both untaxed. So is a low coupon ilg roughly equivalent a normal gilt in regards to reducing overall tax on interest when compared to regular cash savings accts...?
-
HL Active Savings
I'm looking to get peoples thoughts on the HL Active Savings account. I already have a SIPP with HL but have also got money sitting in my bank's savings account earning a very small amount of interest. I was considering putting £10k of that into an Active Savings account because of the ease of moving from one savings…
-
HMRC - Payments on account
HMRC state on their tax return "If your 2 payments on account turn out to be different from your 2025 to 2026 tax bill HMRC will: • credit you with interest if you've paid more than you needed to • charge interest if you've paid less than you needed to" I can understand the first bullet point if they've over charged me but…
-
Tax Due On Savings Interest.
I’m confused about tax due on savings interest received in 2024/2025. I was registered for Self Assessment and submitted a tax return for 2023/2024. My circumstances changed for 2024/2025 and I informed HMRC recently that I didn’t need to submit a tax return for the last tax year 2024/2025. However, I informed them that I…
-
GIA Taxes on accumulating ETFs
The learned discussion of the complicated tax implications for CSH2 in the other thread has got me thinking: As mentioned in some previous threads I've generally done investment inside an ISA in the past, but have used up all my allowance this year so have been putting some extra into stocks in a GIA. A good chunk of this…
-
Premium bonds winnings and odd pattern
Hello. I'm guessing that this is an age-old topic, but here we go... My wife and I both have had premium bonds for quite some time, and I have records of all of our purchases of bonds and wins from April 2022. There may be a very minor discrepancy in our holdings over time, but we have basically tracked each other with our…
-
Major issue with Skipton interest payments on savings accounts... again
This isn't the first time with Skipton it seems, but my annual savings account with Skipton matured on the 6th April and no sign of the interest being added. No emails or communication from Skipton highlighting that there is an issue either which is really poor. Contacted customer support and they have confirmed that there…
-
Savings account allowing standing orders?
I'm sure this has been asked before, but can't find it. Is there a savings account paying reasonable interest that allows me to set up recurring payments to my bank account. I want to smooth my retirement income without having to intervene regularly. The only options I've found so far are Chase, but their rate is only 2.5%…
-
Cahoot online banking issue
Been trying all day. When I log into my online banking, it then takes me to my home page. Then whenever I click pretty much anything on my online banking screen, it logs me out automatically. Anyone else having this issue?
-
Regular savings vs easy access..?
Specifically First Direct at 7%. I get that you don't get 7% on everything all the time. Only the first amount gets it for the full year, so on & so forth so in a roundabout way the account works out at an overall percentage less than 7. So I ran the MSE calculator to see what would be better - this fixed rate regular…
-
GILTS UK vs US
Are US Gilts / Treasury bonds safe if held until maturity? as I am thinking whether it would me make more sense investing in them then the UK gilts
-
£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
-
Cahoot Log on - temporary password needed?
Hello, anyone with similar experience? I opened a new account with Cahoot and got 2 letters with username and temporary password and temporary security number but when I logged on for the first time it didn't ask for the temporary password only to set up a new one. Is this normal? I tried calling and couldn't get through -…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.2K discussions
160.1K comments
Most recent: Cash ISAs: The Best Currently Available List by pecunianonolet
18 October at 9:51PM
