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What should I do with £41,000
I have got a bond with Phoenix Life which is performing miserably. My plan is to cash it in and looking for advice on what I should do with it. I don't need access to it. I thought I might put £20,000 in a Cash Isa but not sure what I should do with the remainder. I would appreciate suggestions. Many thanks Sue
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Help to Save Withdrawal / Bonus
My wife and I have both been using the HMRC Help to Save accounts. For the last two years we've both saved £50 each in our accounts. The accounts both currently have £1200 We are due to recieve our first bonuses (£600) in the next week. My question is... If we were both to withdraw the £1200 we have saved so far, and then…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Saving/investing income - in a lucky position with no idea where to start
Hi all. I'm in the very fortunate position of being mortgage
free in my 30s. I own a house that myself and my partner live in (unmarried at
the moment, this is likely to change at some point when we get ourselves
organised). We earn a decent amount a year (approx £100k pre-tax) and now that
the mortgage is paid off we…
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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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Cashback for opening bank or investment accounts, including Cahoot
The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...
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6mth Principality Regular Saver, maturity process tips please
HiI have my first 6mth Principality RS account maturing later this month and not sure of the best way to proceed going forward.(I have searched numerous threads first, apart from the RS discussion board which is too huge to scroll through and hasn't come up with suitable answers in my search).I have now got the option…
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NS&I boosts savings bond rates – here's how they stack up
NS&I has increased the interest rates you can get on all of its fixed-term 'British Savings Bonds'. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read the full story: 'NS&I boosts savings bond…
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If you inherited £20k, what would you do with it?
For context- when my Grandad passed, money from the sale of his house was put into a Trust, ready for me when I turned 21. I have used a large proportion of this money for a deposit on a house, and so I now have roughly £20k left over. I have an additional £5.5k invested into a Trading 212 Stocks ISA, investing into the…
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US Citizen
My mother was born and raised in the USA, but in the mid 60’s while working as a nurse overseas, she met then married my father, who worked for the Crown in the diplomatic service. In the early 90’s she started opening ISA’s and investment accounts without issue. Now this month, financial institutions (Fidelity Investments…
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Continue with regular saver or transfer to savings and switch bank account for reward
Hi I currently have 2 regular savings accounts - one with Nationwide which pays 6.5%, has a max monthly limit deposit of £200 (which I contribute each month), currently has £1000 in with another 7 months before maturity. The other is with First Direct, paying 7% with a max monthly deposit of £300 (which I pay in each…
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£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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Covered call ETFs like XYLD etc
Trying to assess the risk Vs reward of these. Found YouTubes that explain that your exposure to stock market gains is limited. But not much about other risks or volatility. Tempting to think that if we're near the peak of the cycle then one could accept the limited gain risk in return for 10% return. Any other risks? Would…
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Too much TECH in isa?
A bit of advise please on my stocks and shares ISA which is around 50% tech . This is due to both Palantir and my Legal tech fund increasing in value over the last year or so and now it is more than 50% of my portfolio . Is this a very risky position to be in at the moment with a possible AI bubble and world events . I am…
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Savings Platforms - Worth It?
Just spent the morning investigating savings platforms and noticed, on average, a significantly lower interest rate offered compared to saving directly with the bank/building society, ranging from 0.1% to 0.8%. Whilst I didn't check every single account offered by every savings platform (and some didn't show such details…
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Ulster Bank easy access Saver - 4.5% interest, but is it lost forever if you go under £5k?
Hi there. I recently opened an Ulster Bank regular saver. It offers interest of 4.5% so long as the balance is over £5k. However, I’m not totally clear what happens if the balance drops under £5k. The guidance is not clear to me and when I spoke to someone at Ulster via the app they could not answer the question either!…
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Looking for a global smaller companies fund
My pension has had about 10% of its value in a global smaller companies fund for various years. Specifically the abrdn Global Smaller Companies fund. I was happy enough with the fund at first but it has been quite lackluster for a few years. Looking at other similar funds is making me think that maybe it's time for a…
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Likely growth of AI - how can investors position themselves?
Has anyone here made investment decisions based on the likely growth of AI technology industries over coming years? What have you done?
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Vidasavings.co.uk doesn't exist?
I have opened an ISA with vida savings, and received a letter in the post to authenticate my nominated account. It instructs me to visit their website, but it doesn't seem to exist. When I Google Vida savings the website is actually vidabank.co.uk which must have been what I used to open the account. What should one make…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
