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INXG Distributions
I thought it would be worth flagging an interesting feature of this Index Linked Gilt ETF originally noted by @Alexland, which seems to be "distributing" an excessive amount of interest. Most ILG have very low coupons, so a 12 month trailing yield of 7.15% is way above what you'd expect such a fund to distribute. It is…
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Investment Of Large Amount - What To Do?
Morning all, I have a two fold question if I may please. I am about to receive a decent amount of money through company dividends, as the company I work for has just been acquired. My first question is what to do with the money. I need/want to invest it for a minimum of a year, as I will not need it until some time in…
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Top slice onshore bond advice
Hi I would be grateful if anyone could give advice about top slice deductions on chargeable gains. My elderly mother has 2 onshore bonds that I have just came across the paperwork for. Unfortunately the financial advisor who set these up has retired long ago and I have no experience of anything like this. The main bond is…
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Paying tax on savings interest.
For the first time in the 2024/25 tax year I went over the £1000 interest tax allowance. And by a less amount in 2025/26. Though I went over a certain amount I am sure it’s less than the £760 for 2024/25. they show I owe. They then adjusted my tax code so the last 4 months of the 2024/25 tax year I have paid £39 more tax…
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Royal Mint Issues?
Is anyone else having issues with Royal Mint's website? Have (had?) some investments there in digital gold. Couldn't log on for weeks, now I'm in and my digital gold all seems to have vanished… As has the function to buy any more. As have the records of a few small purchases I made as gifts over the last 10 years. And the…
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Trust for children managed by bank
My mother-in-law has put some money into a trust for her grandchildren (including my children). This has been done to help them out with future university costs, and done in this way to reduce liability for inheritance tax. So far, so good, but she has done this without talking to my wife or sister-in-law and has been…
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Inheritance from abroad - what to do?
Hi Everyone, I’m about to receive an inheritance (over 7 figures) in Euros. I’m resident in the UK for tax purposes but I’m not a British national. I’m wondering if it makes sense to park this money in Europe rather than exchange it all at once? Do you think it’s worth looking for a wealth manger to help? I’m ok with…
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Post Office savings account
Just opened Post Office instant access savings account. When I tried to tfr. money into it from my bank - I got error msg. from my bank saying cannot confirm destination account details. I phone Post office & their explanation was because Post Office is registered in Republic of Ireland. Seems little strange to this…
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Joint Savings Account with Sibling
I’m looking for the best option for the following joint account I want to open with a sibling. We plan to get a joint mortgage and want an account where we can both deposit money to cover mortgage payments. Whilst we trust each other implicitly, we would both like something that will allow us to set a chunk of money aside…
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NS&I index linked certificates
My 5 yearers are up soon. At first we had RPI, now a lower CPI. At first we had plus 0.5%, now we have plus 0.01%. You used to be able to cash in, and the best time to do so was on an anniversary, but you could at anytime if wishing to get at the money. Now the next rollover is fixed with no withdrawals for the term. Are…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Limit of FSCS protection, S&S Isa, fund values beyond £85000
After decades of investing I'm fortunate enough to have an ISA portfolio (currently with ii) with a number of fund values beyond £85k. I'm uncertain as to the risk that there is to that part of the funds above £85k in each case - they are UK regulated funds with the majority as MMFs. Does the FSCS scheme only cover up to…
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Buy to Let or Stocks & Shares ISA in 2024
Just after some general advice in 2024 as to whether people would lean towards a BTL or Stocks and Shares ISA to try and grow thier savings pot? My partner and I have around 30k in a basic savings account and want to try and accelerate this over the next 3-5 years. Thanks
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Scottish Widows free Regular Investing review.
For anyone who hasn't use Scottish Widows/Iweb free "Regular Investing" yet, I thought a review might be useful. I've used it a few times for mopping up small divis but have noted that SW frequently execute orders very soon after the LSE opens. "Trading the open" can be profitable for experienced traders but comes with…
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Investment Planning
(moved from another board to here..) I hope this is the right place to ask for thoughts on how to plan my investments. I am trying to have a diverse asset allocation while keeping it simple (eg hold 2 funds) but at the same time not putting all my eggs in 1 (to 2) basket, but I feel I am going in circles. Background…
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Gilts - inflation linked Vs nominal check
Hi, I'm looking at securing 2 years of £20k in 2036&7. Using the ladder building tool it suggests that using nominal gilts would cost about £25k and using linkers would cost £34k. Is the £9k difference a reflection that markets currently think inflation will/might run a fair bit higher than the 3% the tool uses or have I…
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Inherited investment fund help.
HI In 2004 I inherited a investment fund namely a FTSE All-Share Tracker 2 Acc managed now by Columbia Threadneedle i believe. Since inheriting this fund I have done nothing with it, just let it sit, I've noticed that it has grown a bit in 2026 and wondering what I should do with it. 1. Do I sell up/ cash in and close the…
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Clarity over tax on savings
Would someone be able to confirm something for me as I think I am misreading this. As a regular rate tax payer it says I can earn £1000 in interest per year before it is taxed. So if I have money in a savings account and I earn £800 in interest and in my ISA £600 interest per annum does that mean I have £1400 interest and…
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Criteria when selecting funds
This is a money saving forum and one of the aim in investing is try get the lowest fee possible (Monevator has a global tracker funds comparison list) as the funds I am considering are not on this list, I would like to ask, if there are more than one fund to choose from, aside from basing on the lowest fee, is it worth…
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Monthly or Annual Interest Accounts - Increase in interest tax April 2027
What are peoples thoughts when opening saving accounts at the moment with Monthly or Annual Interest due to the increase from 20% to 22% in Savings Tax from April 2027? Opening an account now with Annual interest pushes all the interest earned into 2027/2028 tax year now. But with an account today with Monthly interest…
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