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Freetrade 1% Cashback on S&S ISA Transfer.
ISA Transfer was completed abouta month ago and the offer rewards tab on their app shows this … Has anybody else completed the transfer and hsve a tick for point 2 above? Transfer is definitely covered for the offer…
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best way to save
hi i would like to save 50% my net income as a good habit where i work allows me to use commsave credit union i also know there are regular savings accounts what would be the best option in some ways i like the money to be saved before i get access to it as i am not always disciplined to transfer myself also how about a…
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Trading 212
Just spent a fair amount of time going three quarters way through the process of opening a Trading 212 acc ISA , inc. reams of conditions etc, only to find after taking my id selfies, I needed my phone to do a Q scan to get any further because I needed a code from it , and I havent got that smart a phone ! Anyone found…
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Clarify 30 day rule on stocks and shares
Hi there I sold some S&S - a Vanguard ETF - from within a T212 GIA (gain not subject to CGT as well under the £3k), in order to rebuy within my ISA. Am I correct that I cannot buy the same ETF in the GIA again for 30 days without this having a CGT implication later on? So if I want to buy in my GIA either wait until the 30…
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Maths question
I have £2400 in an instant access savings accounts with a bank This instant access account pays 1% If I open a Regular Saver at the bank which pays 6% and transfer £200 a month over am I right in thinking that my interest rate on my £2400 will be (6+1)/2=3.5% Assume I will pay all 12 payments across to the regular saver…
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Cynergy Issue 96 Available - 4.22%
Just a quick heads up to Cynergy customers. They have released Issue 96 paying 4.22% instant access. My bonus was approaching expiry so jumped across.
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Children's Inheritance
My husband died recently and left money (approx £8k each) for his niece & nephew (8 and 14 years old). I am to have control over this until they are 21. The money will be theirs at 21 however he had specified he wanted this to cover driving lessons, money towards a car or house if applicable before they reach 21. I do not…
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Transferring a S&S ISA (to Trading 212)
Hi all, i suspect I know the answer to this, but have never done it before so wanted to check. I have a small Santander S&S ISA with approx £7k currently invested in: SANTANDER GO GLOBAL EQUITY "RKP" (GBP) ACC Santander MyWealth Progressive Fund R and Santander MyWealth Balanced Fund R I would like to open a Trading 212…
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Ulster bank limited edition saver. ADVICE
Thinking about my Ulster Bank Limited Edition Saver! 🤔 It started with great interest, but now it's at 4.17% with a £5,000 minimum. Is it still worth it, or should I explore other options? #Savings #Banking #Money
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Shares in Telewest Communications Plc
Hi, I have a shares certificate dating back to 1997 for Telewest Communications plc. I cannot find the registrar to see if they are of any value, does anybody know who the registrar is please. Thanks. P
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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SIPP investments during market upheaval
I've just opened a SIPP with AJ Bell. I did this mainly for tax reasons (sole company director), and NOT because I know what I'm doing with investments. I'm relatively comfortable with the general advice out there for portfolios, and I'm ready to push the button on a core holding in a tracker fund. However, the current…
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Unrealised gains v Total Gains
Hi all. Can someone please enlighten me. I have a big difference between these 2 figures. I have only been doing it since Feb 2026 98% of my money is in vwrp acc. Wondering why I have such a big difference? I have never sold anything, had 1p in dividends from a stock. Not sure if i would have had dividends from vwrp as…
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Savings Goal
Morning all I have a savings gosl of £10k, been saving for a couple of years with BoS earning 2.72% monthly. I would rather stick with BoS as they are local and I can pay cash in when I need to. I also don't trust the online only accounts. Maths aint a strong point. Would it make a massive difference in a 5.50% monthly…
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Nervous about using flexible ISA to maximise savings interest
Hello, I’ve been a self employed sole trader for approx 20 years. In that time I have been frugal and paid any spare funds into cash ISAs. I am now looking to wind up my business (since the pandemic it pays very little) and live off of the ISA interest. I want to put some of my ISA funds into a flex ISA and then withdraw…
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Savings Account in Joint Names
Hi, I have a joint savings account with my wife. I am a 20% taxpayer with all income from pension drawdown. My wife is a non-taxpayer, and drawdowns £12k per year from her SIPP. I am trying to understand how this works with HMRC as I believe that I can receive up to a £1000 per year in savings interest tax free. My wife as…
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ISA confusion with Tembo
I have an easy access ISA with Tembo that I invested £20,000 into last financial year. I now want to transfer it to another provider, Barclays. Interest of £838 has accrued over the year. I'm not sure what I should do next and Tembo aren't being very helpful. I asked them for instructions on how to withdraw the interest…
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Manchester Building Society
This company came up on a site as having a decent interest rate for a fixed ISA. I've never heard of them and I'm from Manchester. Has anyone ever used the company?
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Interactive Investor account - promos
Does anyone happen to know if their referral links can be used in conjunction with SIPP cashback deal which expires tomorrow? They are closed at weekends otherwise I would call them and ask! Thanks
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Oil prices & likely inflation - should fixed rates be avoided?
Just wondering about this. Seems likely that the inflation will rise more than expected this year due to the oil/Iran situation. Just wondering if fixing an ISA at say 4.5% may turn out to be a bad move? What are people's thoughts?
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Most recent: Worst Cash ISA transfer saga … by auser99
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