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Chase Saver 4.75%
Has anyone tried this? “Newbies can also open its linked easy-access saver within
31 days of opening the account, which gives 4.75% (2.5% variable + 2.25% fixed
12mth bonus), min 1p, max £3m.” MSE, August 2028
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Where to put my inheritance?
Hi! Bit of background... I'm 27 and have a 3-year old daughter, I live in a rented house, and I'm just going into my final year of a MSc Healthcare course. I come from a fairly low-income family and I've been pretty bad with money over the years, but finally getting better at managing my monthly income and not spending…
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How to cut on taxes after redundancy payout
Advice please! getting redundancy £140k (£110k subject to taxes) YTD earned £47k expected more income this tax year circa £10-£15k (if I find a new job) which will take me to way above 45% tax bracket monthly expenses £6k what should I do with redundancy money to reduce the tax but also earn something I need to have…
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Accumulating vs dividend-paying ETF
I've recently signed up for Interactive Brokers, and am trying to figure out a sensible default for the majority of my income. I basically want a cheap ETF that tracks the global economy, and one of the best options I've found is VT, a dividend-paying ETF for the Vanguard Total World Stock ETF, with an 'expense ratio' of…
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Cold wallets crypto
I'm spending time trying to learn a bit more about storing crypto seed phrases. I came across the 'material cold wallet' concept. Is this where you create your own seed phrases? These are not electronic, so how does crypto purchased and stored on crypto platforms 'know' what the phrases are?
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Virgin Regular Saver Glitch - one application opened two accounts
I applied for the current issue regular saver online, at the end of that process it said something like "we need to check some details". This morning I had two messages, by email it said .. "Good news, we have an update on your Regular Saver Exclusive Issue 3 application.All you have to do is sign in to your application…
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IG contact
Has anyone had any luck contacting IG investments, preferably to speak to a human? I sent some money to my IG account but looks like it was mis-routed (reference auto corrected and I didn't notice - yes I know it's my responsibility). IG only seem to be contactable via WhatsApp (no response after 4 days) or Chatbot (no…
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Non Resident Shares Sale - Broker
I have some Aviva shares, registered at Sharecenter and want to sell them, but I'm not UK resident hence Sharecenter wont act for me. I have had no luck trying to identify a broker for this, does anyone know of a broker that will transact on behalf of non-residents?
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Atom Bank. Investor beware, they have your money & they keep it as long as possible.
In January I signed up for one of their six month bonds, choosing the option of interest paid monthly. Everything seemed OK, it was all done on one of their Apps. But there was no clear confirmation of whether it was end of term or monthly payment in any of their communications. In fact I received only two emails;…
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Santander edge bonus period has ended
Rate now reverts to 4% i believe, on balances of upto 4k. Actually 4% seems ok for me....i cant move that money to an ISA this year(used my allocation) - I have a natwest digital regular saver, which is now almost full too.. Are there any other decent savings accounts/regular savers or am i going to be better putting this…
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Cahoot Sunny Day Saver/Simple Saver/Fixed Rate Bonds - Upgrade Available
When I logged into Cahoot the other day, I noticed an upgrade link on my accounts page which I've not seen before. My Sunny Day Saver (interest rate 4.75%) was due to end on the 31st and I was able to upgrade to the latest issue which is 5% so it's possible it's not there all the time, maybe just when an account…
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Regular savings
Hi. I am looking for an account where my wife can pay in her state pension (£921)every month and not withdraw for at least 1 year. Everything I've looked at so far the max is £300 per month for the best rate. Any help would be appreciated thank you
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Second property rules
Can I let my second property rent free to my adult son rent free as did not tell child and working tax about my second property purchase when I bought it 5 years ago
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Investment advice needed due to sudden disability
Due to sudden and debilitating chronic illness, I won't be able to work in the foreseeable future. I am hoping that I will recover within the next decade, but this is uncertain. I have 200k GBP in savings, which should allow me to focus on my recovery and not having to worry about my existence from a financial standpoint.…
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Charles Stanley Direct
Thinking of taking advantage of the Charles Stanley Direct Cashback offer and transferring my SIPP from Interactive investor across to them. SIPP is c100k. Has anyone used them and are they safe and an ok provider to use? Fees are higher that II but the cashback offsets that for 12 months, even allowing for the transfer…
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Complete financial novice
Hoping someone can help me. For years I have been really good at saving, for the same period of time I have completely ignored any sort of financial admin and this has resulted in me getting into a mess with savings/investments all over the place and no idea what to do. The time has come i really need to sort things out as…
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Saving stategy/psychology
I was wondering whether people have specific savings pots for a new car, holiday etc ? I've never done that personally - i've always just saved money in one savings account and then drawn money out when I've needed it for things like that. But I was wondering if it would be a good idea to have different pots. For example,…
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Kent Reliance Problems
Opened a new savings account with this business at the weekend and have had nothing but problems with it so closed today. Initial setup process was problematical with continued outages of their system. When finally opened and I tried to transfer money in post the CAP period Kent Reliance kept returning no account held to…
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NS&I - Guaranteed Growth Bonds - Minimum, not a Maximum Rate?
I've just received my Guaranteed Growth Bonds maturity letter from NS&I and reviewing the renewal option, they state the following: On its maturity date your Guaranteed Growth Bond will automatically start a new 1-year term at the new rate of 4.18% gross/AER, unless you choose one of the other options. Even if the rates on…
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Fixed Isa or Fixed savings?
Hi I am still in need of advice, I now have about £17,000 to invest and was thinking of putting this in an isa, but whilst deciding on which Isa, it seems interest rates just don't look really great at the moment, I found out though I am a basic tax payer, who knew, certainly not me!!, but looking at the Gov.uk website I…
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