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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Short term gilt yields
I’m trying to understand how the forward short term base rate is reflected in gilt yields. My starting point is https://www.bankofengland.co.uk/statistics/yield-curves > Latest yield curve data > OIS daily data current month > fwds, short end / fwd curve. It shows six months forward at 4.24%, 12 months forward 4.37%, 18…
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Pension and investing.
I've got a PP with 90k in and ive approx 60k in cash to invest. I have spoken with an IFA about how to manage these as I want to generate about 500pm, to add to a work pension thats already paying out. I've got 5 years until I get my state pension. I got the distinct impression he was reluctant (somewhat) to take me on. So…
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Any advice on which investment app to choose?
Hello all Over the last few months I’ve been doing lots of reading about investing to try and get a basic understanding of things. I’m now at a point where I’m about to open a Stocks & Shares ISA and start investing some money. Having looked at the websites of various investment apps I’ve narrowed it down to Vanguard,…
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TSB now part of Santander
Just received this by email from CEO of Santander UK:- I’m writing to you as the new CEO of Santander UK. This is one of my first opportunities to write to you directly, and I wanted to personally share some good news. TSB has now become part of the Santander group This development strengthens our position as one of the…
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Nationwide 1Y Triple Access Saver - can I change account before 12th month?
Hi Everyone, I just wanted to double check one information. I opened Nationwide 1Y Triple Access Saver about 5 months ago, it currently gives me 3.5% (I haven't used any withdrawal). I can see that they've got a new account that gives 4% currently. Can I just open the new one and transfer my money without losing the…
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Closing old Coop Smart Savers
My Coop RS matured today and rather than paying the money into my existing Smart Saver (with a zero balance) they created a new one. I guess it's the same account number just a different name and rate. Anyway I've moved the money away, and requested a new RS, but can't figure out how to close the 2 redundant Smart…
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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Cahoot simple saver interest rate
just opened a cahoot simple saver as tops well know bank savings interest at this time. It advertises, as does the confirmation email, a 4.17 are interest rate. on opening the account, it now shows 4.07%, it doesn’t state if that is see, simple rate. On contacting them, it’s the simple rate as getting paid interest monthly…
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Large-ish transactions in Gilts / ILGs
I'm likely to be buying and selling some Gilts/ILGs soon. The amounts will be close to £100K type of thing. The platforms are Iweb & AJ Bell Is there likely to be much benefit pricewise in making as big a transaction as possible? As you can't see the settlement price on these I'm tempted to break them down into a few…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
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Savings interest
Apologies if this is in the wrong forum, I need some help to clarify interest on savings and how much I can receive before I pay tax on it. My situation - I don't work as I am a carer, so receive carers allowance weekly, have done the marriage allowance transfer to my husband. We have some savings and they are earning…
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Royal Mail Shares
Has anyone been paid out for their Royal Mail Shares ? I didn't reply to the initial communication as I couldn't find my share certificates. It did say that a reply was not essential. I received a form to claim 'my payout', as a 'dissenter' some time later. I could not locate all certificates, but again, it said this was…
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St James Place
My previous adviser left St James Place and we switched fees off. Another St James Place form PFP Wealth from Wakefield has written to me and my wife twice and have been calling us. It all seems very pushy.
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Haven't had my royal mail shares payed into bank after sell off.
Hi everyone….. I've not been in country working....I totally forgot about my royal mail shares. Since the company was bought by Křetínský..…Those that didn't reply ( including me) does anyone know who I contact to get it back...Many thanks 😃
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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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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Stock markets are too high and set to fall?
Unusual intervention/comment - why?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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