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Cynergy Bank Marketing affilation link. Wrong account was opened
Hi I was wondering if anyone could point me in the right direction. I emailed MSE 3 weeks ago, but no response. Tried another email, but not getting anywhere I used a marketing affiliation link, from my account on 14/03/2020 for Cynergy Bank, which, to be honest, is awful. I couldn't get into it, as was described here…
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Advice on how to get the best returns from regular saving pot
Hi, my husband and I are trying to save >£20,000 over the next 12 months. We currently have a 'pot' of £8000 which is sitting in an easy access monzo account with an interest rate of 3%. We are saving regularly £800 per month. There will be additional contributions throughout the year when we are able to do extra locum…
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Where is best to invest £160k
We are currently in our early 50's and have no mortgage on our house and have £160k at hand to invest and i'm wondering what the best options are currently to make this work for us.
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Income and capital movement on corporate bond funds
I’d like to
check my understanding about income and capital gain on corporate bond funds. These charts
for Man Sterling Corporate Bond Fund show both Income and Acc versions. On the
first chart, set to Total Return, does the sum of the twelve red blips* – about 0.5%
each – represent the distributed monthly income based on…
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79th Group investment
Looking to see if anyone has had any success, or positive progress, in recovering their investment, following the collapse of the 79th Group?
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100-baggers going cheap
Intended as a bit of fun There's been more than a few 100-baggers (& then some) this century. I guess we all know the companies but we could talk about Pharma, Bitcoin, AI, other things. I'm not opposed to a fun portfolio and actually even the soberest of citizens generally concede that up to say 5% in such a thing is an…
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Cahoot's transaction limits
My Cahoot Simple Saver is ending this weekend. Does anyone know what's the daily withdrawal limit and does the whole weekend counts as 1 day (like with Ulster and probably some other banks). I can't find any of this info in Cahoot's t&c.
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Virgin Money investments and pensions business is being sold to Octopus Money
I’ve just received a letter today to advise me that Virgin Money is selling their investments and pensions business to Octopus Money (I have a S&S ISA and Pension with Virgin Money). This will only affect their Stocks and Shares ISAs, Investment Accounts and Pensions. The sale of the investment business is due to happen…
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Put money away till the children's 21
Hi I've got two granddaughters living with me their mum passed away and left insurance roundabout 70,000 pounds each they are 15 and 16 year old what can I do put this money away and be safe till they reach 21 make a bit interest and released it till the 21 year old any advice would be appreciated thank you
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Help with a investment possibly Hampshire
Hi Have a large inheritance invested for my future im 53 (with Quilter) stocks and shares Isa paying 7% into my pension which my work match mortgage free no family Tesco shares £11k approx Now I have £20k to invest £10 in Atom 1yr £5k in a virgin 2.9% higher rate ended £2k in everyday virgin account which my wages go into…
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Taxed on Savings - newbie
hey all apologies if this is a frequent question. recently noticed my monthly wage was not same and noticed the tax code had changed… unsure why, so called HMRC. they said it is due to tax on hour savings. Firstly! I was shocked how they knew about my savings (50K) on another online saving account that i never declared……
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Anyone buying gilts right now?
Without wanting to get political so keeping the conversation general about their future prospects rather than any particular party is anyone else seeing medium to long duration gilts as a potential opportunity for overweighting within a portfolio now yields are at 27 year highs? I saw an article that highlighted that a 30…
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Ever more difficult for foreigners to open bank accounts and savings accounts!
With the rise of AI it has at times become almost impossible for a foreigner, legally in the UK to open accounts anywhere. Even simple things like changing a nominated account has become a nightmare and, in my case, and I am sure in the case of a lot of other foreigners like me, with the right to reside in the UK, in my…
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Do dividends under £500 have to be declared on a self-assessment
I THINK they don't but the HMRC guidance wasn't totally clear, at least not to me. The guidance on this forum is substantially clearer :)
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Crypto Currency ??
I understand what crypto currency is - its a "virtual" currency But I can't understand how people can make a fortune / loss investing in itand what is the equivalent in £'s or $'s to "mining" ?is it "printing your own currency ? Could someone explain to me in simple terms ?
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Cahoot Sunny Day Saver interest
I'm usually very savvy with financial stuff, but I've overthought this so much now I've got the mental capacity of a bowl of lentils. So I'm going back to basics trying to explain what I'm stuck on. Cahoot Sunny Saver. 5.00% AER/4.89% gross (variable) if interest is paid monthly. My understanding that the difference…
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Tax on foreign bank interest
Hi there I am a UK resident again from 2020 after moving back from Australia. I have funds still in oz which learns interest. I complete an australia tax return every year and pay my taxes. Do I need to do a tax return in UK. I earn roughly £6000 in interest a year or less Thank you
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Help to Save Account
I just wanted to check if i'm interpreting this correctly. In years 1 and 2 of Help to Save if I saved the maximum 1,200 I will recieve a 600 bounus. However in years and 3 and 4 they only pay out the bonus on the difference between your 1 and 2 years maximum balance and years 3 and 4 balance. So if you saved the max in…
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Vida Cash ISA easy access
Just transferred my Isa from Trading 212 at 3.85% to Vida thinking I would get 4.3% and now I see they are reducing to 4.05% from 3 September! Mugs game this chasing the best rate
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Pensions advice fees
Hi there. I'm new to the forum, so finding my way around. If this question has been asked already, then please signpost me. I am aged 72 and have a total pension pot of £285k, with Aviva and with Clerical Medical. They are currently in cash funds (don't ask). I understand I have to make a decision on what to do with these…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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