Savings & investments

I’m a complete novice when it comes to investing. I’ve just opened an a/c with the above (a very modest amount). What I’m unsure about is this: On the home page, i the top L/H corner, it shows the amount deposited; there is also lots of various data. Do I have to do anything else (ie pick certain companies) or do I just…

So my ns&i bond is maturing soon and I can reinvest at 4.82% or 4.72% monthly. If I opt for the monthly version I decrease my liability to the 22% rate by effectively getting the first seven months at 20% tax on the interest. The catch being as the interest is paid away monthly I still want to invest it and my best option…

That's what I see in the transactions and what their e-mail says. Is it just me or it does last more than 12 months?

I have just seen a transcript from the BBC between Paul Thwaite Nat west and Emily Maitlis. Which resulted in Paul Thwaite storming out. Can someone shead some light on this Nordheim GPT.

Has anyone had any luck getting any shareholder perks from shares held in their Freetrade ISA (this sort of thing https://www.hl.co.uk/shares/shareholder-perks)? I was rather looking forward to my annual Next plc discount voucher. Freetrade first advised that (unlike any ISA manager I’ve used before) they don’t do this.…

I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…

Got the following pop-up when logging onto Vanguard: What are they likely to be after? (I Blocked, of course.)

I am preparing for all eventualities, not just my death, as things will take their course when I die, but I am considering how to prepare for an unexpected situation where I can suddenly no longer manage my finances eg road accident, stroke etc. I have LPAs in place, my son and my daughter, with granddaughter as reserve,…

HI, does anyone have any ideas how to cash in 24 + year old Netapp shares which are held by MOrgan Stanley in the USA? I get monthly Client statements showing the details, but everything I google says to create an online account with Morgan stanley, but to do this I need a USA Social security number or a US passport! My UK…

Hi, my 80 year old dad has been with Lloyds bank for many years and has transferred money from an ISA to his current account and wants to opening a savings account with Lloyds. He had a phone call earlier and was told he could do this via video link. This is something he doesn’t understand and I’m a bit confused as to why…

My grandson will receive about £200,000 in investments from a bare trust when reaches 18 next year. There are no restrictions on what he does with this but I would like to arm him with practicalities and some financial education provided by a disinterested third party. Suggestions please.

I have been helping in-laws sort out paperwork and bank stuff recently (PoA are in place but not enacted upon yet, we're not quite there yet). They used to have passbook savings accounts but these got replaced with cash cards and statements, but they don't use cash cards, paperwork get bagged up and stashed (not really…

That could be totally wrong which is why I used the word seem (seems to me). Also with "the knowledge" I'm referring to people will more knowledge than me, which will be pretty much all of you & most people I will encounter on any kind of financial forum like this one. Obviously these things aren't factually correct,…

I was glad I hadn`t downloaded the YBS App yet after receiving an email which offers an £10 e voucher for customers who haven`t downloaded the app. "Download, register and log in to our app for the first time by midnight 3 August 2026 and we'll treat you to a £10 e-voucher. Choose from over 200 stores. Terms and conditions…

I've several questions that I hope people with experience could share. Firstly - could I have multiple nominated bank accounts and assign different linked accounts to GGB, Premium Bonds etc., or is it just the one nominated account? Secondly - has anyone one had a GGB or other fixed term account mature over the weekend? Do…

NS&I will increase the prize-fund rate on its Premium Bonds to 4.35% (from 3.8%) for the September draw and beyond. Read the full story: Premium Bonds prize rate to rise to 4.35% – how do they compare? If you haven’t already, join the forum to reply.

This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…

I hold some with profits bonds, that I have had for 23 years. I understand that the 'gain' is not subject to CGT, but is added to income. I am a higher rate tax payer (nowhere near additional rate!). I don't really understand top-slicing relief - or at least I don't think it makes any difference in my case. The overall…

I’m helping my 81yr old MIL to sort her paperwork- she’s showing signs of early dementia and seems a little confused about her finances (she has LPA set up ready when we feel it’s time). I found an envelope marked ‘Funeral Fund’, it’s a Phoenix life ISA bonus account- NISA Unitised with profit. I can see she took it out in…

I am about to gain around £450k - what is the best thing to do with it ? Bearing in mind that we are already maxed out on ISA's this year - having £200k in a Quilter Cheviot portfolio ISA. I really want to try something else but what ? I understand that you can put £50k into premium bonds - tax free winnings Cahoot…