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Tax code change due to interest on my savings
How does a tax code K171X which is £1,710 needs to be added to your pay or pension so the extra tax can be collected work? I knew that from tax year 24/25 and 25/26 I would go over the £1000 tax free threshold. Would this underpayment be from both those tax years put together? As although I went over by £47 on my two bond…
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Having trouble logging in to Tesco bank?
So I put in my username, password & all that, go to click where I'm then expecting to be in to my accounts or a welcome page or something yet the next page is this... So I click welcome - that's no good because it's all a Microsoft thing. So I click back arrow a few times & get this... Hmm well I would upload but looks…
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Kent Reliance change nominated account problems!
Greetings,I opened a 1 yr Fixed Rate Bond with this institution a little while ago, believing it to be UK based.A relatively short time later, I did a bank switch of my main current account using CASS. I then attempted to change my nominated account (the account my 1 yr bond is linked to), and was informed that I needed to…
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Loco Zurich - silver/gold purchases and storage.
Has anyone experience of this type of precious metals purchase with overseas storage? A number of sites offer this, one of which, for example, is Chards. https://www.chards.co.uk/vat-free-british-1oz-silver-coins-switzerland/13363 "These VAT Free Silver 1 oz CGT Exempt Coins - Loco Zurich are stored in a bonded warehouse…
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Do I need keep my IFA
Hi all. I'm retired with a Pru Cautious fund of about 800k and we have ISAs with Pru with a total of about 100k. From the Pot I take a monthly income. Our IFA is paid out of the funds at 0.25%. i.e about £2,270 PA. We have annual reviews which seem a tick box exercise and an APP to see our monies etc. No other activity…
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Child's inheritance - ADVICE NEEDED!
My 10‑year‑old daughter has inherited £75,000 from her uncle. Before he passed away, he mentioned that he had intended to update his will to include her younger brother, who was a baby at the time, but he never had the chance to do so. My husband and I have decided not to tell the children about the inheritance yet. We…
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The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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5k savings options
Hi all. I'm a top rate tax payer. All my savings are currently tied up in a work placed shares scheme and i'm looking to diversify to spread the risk of any potential crash and to make sure i have access to the cash to fund university fees from next year. I am planning to sell circa 5-10K shares and looking where best to…
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Fund and Share acc Hargreaves Landsdown
Hi Forumites noddy questions ...sorry! can someone explain to me the differences between Cash on Capital account and Income when talking about a Fund Share account? Is Cash on Capital account classed as Income? I have changed my preference to reinvestment only as I want to save for the future in shares ..but want to check…
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Company Shares - Computershare - Bed and ISA
Has anyone had their employer grant them company shares (gradual vesting) with the shares held with Computershare, and then been able to Bed and ISA these shares (presumably involving a transfer to a broker like AJ Bell since Computershare don't do ISAs)? Just trying to understand the steps involved. Thanks
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Selling shares - lastminute.com
I have some shares in lastminute.com I bought in 2000 and found in a drawer the other day. I have the original share certificate. Does anyone know how I can sell these? A friend recommened Fidelity but I don't think they deal in shares with this company. I think they are listed in Swiss Francs, from what I can see. I have…
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Nest funds
My current work place pays into nest I was wondering on people's view of their available funds. Do they have any passive index global funds. Many thanks
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Royal London – caution for overseas pension holders
I’m posting this as a factual heads-up for anyone with a Royal London pension who is living overseas, or considering a move abroad.Over an extended period, I was given multiple instances of incorrect information by Royal London about my pension options, including being told drawdown was available when it was not, and being…
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Monzo 1p challenge upgrade worth it?
Monzo is allowing users to put away money away into a pot as a savings challenge. They take 1p on the first day, 2p on the 2nd day and keep going until a year passes. In total this will amount to £667.95. However if you upgrade to Monzo Extra which costs £3 a month, they let you save x4 as much so 4p a day instead of 1p a…
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Selling HSBC MDAABG for ACWI
I currently have around 60k invested HSBC IDX TKR INV FTSE ALL WORLD INDEX C ACC (MDAABG) and looking to sell and rebuy ACWI but not too sure the best way of going about it . The ACWI is around .10 cheaper than the HSBC fund ( ( I think ) . Is it worth the effort - looking to keep it for atleast 10 - 15 years.
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Fidelity Junior ISA - Does anyone know how other people can pay in? Friends/Family?
Hi all, Sorry if this is a daft question, I promise I did look around but my nephew's just had a JISA opened & his mum (my sis) put the first £100 in, and some of his family/friends also want to contribute but directly, rather than sending her the cash, for her to then put in. Surely there's a way to do this by bank…
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Chip prize draw account
Anyone got the chip prize draw account is it worth it I’m used to having all my money making money in accounts with interest so wondered what people’s views are on it 😊
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Investing - Where's the pot of gold?
I'm dubiously looking into investments instead of saving. Everyone says investments beat savings given a long view. The number one question is, how much do they pay? One or two sources describe 2% - 4% or 2% - 6% as a 'strong yield', at least for income investments. Then I looked at Hargreaves Lansdown's platform (as I…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.07% 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…
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What to do with inheritance?
My daughter is 21 and has roughly £140k from inheritance. It's currently in a trust, but the question is what should she do with it? She's about to finish her Masters. I have no idea how she can make most of it, invest it? If so how? Property? Would love some smart suggestions. (She also has no idea what best route is)
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