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Vanguard General Account v Vanguard ISA
I have a Vanguard General Account with around £20k (£16k invested +£4k change) , which I'm making regular monthly payments into (£200) Would I be better to move this into a Vangaurd ISA Account and if so what is the process? Do I have to sell my holdings and the reinvest or can I simply swap the product type? I have around…
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Can I avoid interest payments by selling my Gilt ETF before the Reporting Date and re-buying?
Hi For tax reasons I would like to minimize interest owed during the tax year 2027/28 (EDITED - I originally wrote 2026/27), but I still wish to hold a Gilts ETF. Am I correct in thinking that if I was to sell my accumulating GTLA ETF (Invesco Markets Gilts) just before the last day of the reporting period (31 December…
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Regular Savings Calculator Issue?
When I use the drip sum calculator and put a different number in for the lump sum, but keep everything else the same, the difference between drip feeding and not drip feeding changes. I would have thought the difference would remain the same, am I missing something? Edit to add: For example, you have 1 year, no tax, lump…
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HMRC Tax Code Notice "less untaxed interest".
On my Tax Code Notice for 26/27 there's a three figure amount under "untaxed interest" in the tax-free amount. I'm a complete novice in these matters, but I'd like to avoid this if possible. I assume the figure refers to interest I am receiving from an easy-access savings account I have with (at the moment) about £20k at…
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Banking app 'Zero' stops trading and will close all accounts – what it means for your savings
Fintech app Zero ceased trading on 18 March. The company plans to keep its app open until Tuesday 31 March, but it's said it can't guarantee this. If you had an account with the provider, you should withdraw your deposits in full as soon as possible. Here's what's happening. Read the full story here: Banking app 'Zero'…
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Shawbrook 7 years fixed rate, would you go for that?
Shawbrook bank website is offering a quite rare (or let's say unusual) 7 years fixed rate Bond at 4.21% interest (and an Isa version at 4.14% with deposit allowed in the first 90 days that it is useful even for those who have already maxed out this year allowance and they must wait for April). Would you put £1000 on that ?…
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Private pension v Cash ISA
Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…
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Moving from US based share management company to UK?
Hi I'm looking for some advice. Many years ago, I used to work for a US based company's UK subsidiary. I bought some shares through the employee programme. These are US based shares and are managed by a US based company; The dividends are reinvested to buy more shares in the same company. Due to poor service from the…
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Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Money Market vs Gilt Fund (again)
I've asked similar question couple of years back but thought worth getting an up to date perspective… My pension pot currently has 70% equities, 20% money market fund, 10% UK gilts fund (containing mix of medium to long term gilts). The gilt fund is basically all that is available from my workplace pension in terms of…
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Saving a lump sum
We are inbetween houses at the moment and have about £180k in our bank account, can anyone recommend the best thing to do with this amount of money? It’s currently in an account where the interest rate is 2.3% so I know I can do better. I don’t know whether to split it up between different accounts/ISA’s or keep it…
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Zero launches 'Planet Safe Saver' ethical savings account
Fintech app Zero's new 'Planet Safe Saver' account pays 3.66% AER (variable). It's currently the highest-paying easy-access 'ethical' saver, meaning it avoids funding fossil fuels, weapons, tobacco and similar sectors. It's not a top market rate, but 'ethical' accounts are something we're often asked about, and the rates…
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Peak Capital
Has anyone heard of this investment company in Switzerland. I’m trying to find out if it’s bone fide or a scam. I got in touch after seeing the supposed spat on Question Time between Nigel Farage and Andrew Bailey, I’ve put in £250 and I’m now having second thoughts. Also the financial advisor rings me every day /every…
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ERNS.L iShares GBP Ultrashort Bond UCITS ETF - Change to Quarterly divis
I was mildly surprised to see ERNS went ex-dividend this morning. I missed the change to quarterly dividends from the start of this year and was expecting the next dividend at the end of June. I raise it in case anyone holds ERNS outside of tax shelters because the payment date is 31st March. It's also worth noting the…
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S&P 500 VUAG £1000 here's how it's profiting6mnth,now
Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest, even my maths is telling me…
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Found an Old Share Certificate for US company
I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks
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Bristol & West Liquidation Payments
I submitted Bank Details using their on-line 'registration process' but because of how HSBC name an executors account, the submission failed their a/c name matching process. A response was along time coming from Bristol & West, who asked for a copy of a bank statement. This was duly supplied, but, they chose not to process…
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Investing
Hi, my cash ISA is maxed out for this year and will be for the new tax year when I fund it, but I'm wanting to put £50 or so away in something similar to a stocks and shares ISA. I'm aware I can't though as my cash ISAs are maxed out. Can I still open a S&S ISA or is there something else I can go for? Thanks
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S&P 500 Distributing ETF
I have invested in FTSE 100 and FTSE world distributing ETF but not yet invested in the S&P 500 ETF. Anyone can comment on a S&P 500 distributing ETF in sterling that you have invested in the past or present? The name of fund? Thanks. Not looking for advice or opinion, just a fact, that is, the actual name of the fund.
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