-
Tax Efficient Way to Transfer ISA?
I
have £40k in a Tesco Flexible Instant Access Cash ISA. This is made up of £10k deposited
this 2025/26 year and £30k deposited in previous tax years. If I transfer £25k to
another provider to invest in a stocks and shares ISA, will all the £25k still be in an ISA tax free wrapper? If not, please what’s the most tax…
-
Dividends on funds
I am trying to sort out selling Accumulation funds before the end of the tax year to utilise my CGT allowance of £3,000 as best as possible. In doing this, I believe I can deduct (from the sale price) the notional income (dividends) on the units to be sold to date. Obviously I have this information from the tax…
-
Ulster limited edition saver
I opened a limited edition saver (well transferred my loyalty saver over) last year and received the first months interest paid November. Now expecting a payment in December nothing arrived yet. Given Christmas break etc surely it should have arrived by now? Anyone else had theirs yet post Christmas, my November payment…
-
I'm impressed...
Decided on a whim to go back to the first days of this board, 20+ years ago, and almost from the first post there is Dunstonh doling out advice much as he does today (accurately and not sugar-coated). You have to admire that consistency & commitment. I've lurked/sometimes posted on here a few years I guess, and had a fair…
-
Derisking against large tech. stocks
Hi, Just wondering really here. My equity investments are generally in Global index funds. These are obviously very heavy in US and in particular tech stocks. If I wanted to reduce my exposure to say, the top 10 tech stocks, are there funds that attempt to achieve this? Or would I have to look at a set of funds and have a…
-
Share Trading Account
Now that Jarvis has been taken over II want to charge a monthly fee for holding shares. Can anyone recommend a platform that just charges for execution only (no monthly fee)? Thank you.
-
Bond fund duration
I have been dithering for too long and need to get my portfolio sorted, but find myself blocked by one main question that I am hoping I might be able to get some help with here: the question of what is an appropriate effective duration for a bond fund. The portfolio is actually my SIPP but I am trying this sub-forum as…
-
Moved: How do I understand pension pot numbers and decide what’s a ‘good enough’ pension for retire…
This discussion has been moved.
-
How to Estimate Potential Losses
Someone wrote the other day that a particular mixed asset fund would probably loose 25% in the event of a crash. That made me wonder if there is any practical way to estimate the potential losses of a partiular equities fund, if the market turned down, to different degrees. Taking the Downside Capture ratio as percentage…
-
Risk Management in 2026
Interesting and potentially useful comments about investment risk management in 2026, from the CIO at Morgan Stanley, intended for their wealth management clients. Portfolio Moves to Consider Investors should remember that bull markets are meant to be ridden, not timed. That means: focus on staying invested, rather than…
-
Is there any benefit to investing through a bank compared to using a trading platform?
I'm considering getting started with investing. I would most likely be investing with a stocks and shares ISA. I feel comfortable accepting the higher level of risk which accompanies investing, compared to just putting money in savings accounts, which I have always done until now. I am only looking to invest small amounts…
-
Best place to park 6‑figure remortgage funds for <1 year while waiting on planning?
Hi all, I’ve just completed a re-mortgage on a 5‑year fix, which includes an extra 6‑figure amount to fund an extension. We’re still going through planning, so the building work won’t start for a while. We hope in the next 3 months we will be near the end and can appoint a builder. In hindsight I wish I had just gone with…
-
Capital Gains Tax on Shares
Hi All, I earn approximately 25k Gross per year in my day job. I have sold shares in this tax year making a profit of approximately £50k. I know I have the 3k allowance. My question is would the profit on the 47k be taxed at 18% (basic rate income tax) or would it be added to my salary of £25k and mean it would be taxed at…
-
Premium bonds winnings and odd pattern
Hello. I'm guessing that this is an age-old topic, but here we go... My wife and I both have had premium bonds for quite some time, and I have records of all of our purchases of bonds and wins from April 2022. There may be a very minor discrepancy in our holdings over time, but we have basically tracked each other with our…
-
My investment return - which one is correct?
I use Interactive Brokers for buying shares in US companies, but I've come across an issue when calculating my end-of-year wealth which I compile manually on a spreadsheet. Interactive Brokers shows a total return from my shares standing at 51,387 in Pounds, but because IB shows each individual US stock in Dollars, I've…
-
Putting High Amount Of Money Into Different Accounts
We are due a high 6 figure windfall in the next few months. Is it best to have different bank accounts and to put certain amounts into these accounts, I know keeping one with bank ( we two current accounts for my wife and I , savings account, ISA account with Santander) isn't a good idea incase the bank goes bust. Which…
-
Santander £100,000 prize draw - closes 30/11/2025
Hot on the heels on the Cahoot prize draw announced yesterday, now a draw for a single £100k prize from Santander. One lucky winner will have their turkey paid for this year. Full details:…
-
Is it worth changing portfolio before in-specie transfer
I'm considering moving my SIPP from HL to ii in the new year. I hold several HL specifc funds such as the HL Select Global Growth Shares Fund which obviously won't transfer directly over to ii. Is there an advantage to me selling the non-transferrable funds and purchasing something which is transferrable (a vanguard fund…
-
New year portfolio tidy-up
My etf portfolio has got pretty unbalanced as I've not been keeping an eye on it this year. I will need to rebalance soon. I am also thinking of taking the opprtunity to potentially do a bit of tidying up, particularly the bond part. I currently hold these bond etfs with these corresponding target allocations (which have…
-
where should I put the proceeds from the sale ?
Hello Need some advice and would appreciate any help at this time Hi all, I’ve sold my Home and moving back into my mothers due to my ill health and recovering from my cancer surgery where should I put the proceeds from the sale ? Roughly £160,000 (Likely to be a year ?). Many thanks
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.5K discussions
163.5K comments
Most recent: Move ISA to already contributed one by elkiedee
28 February at 7:17PM
