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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
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Merged: Trust
This discussion has been merged.
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Tesco Internet Saver & HRMC Interest Reporting
Opened a Tesco Internet saver account on 15/4/24, this had an interest guarantee Bonus rate for 12 month of 3.56%, plus a variable rate 1.25%. At the end of the 24-25 year Tesco (Barclays Bank) seem to have only just reported interest at 1.25%. to HRMC. The Fixed Rate 3.56% interest was paid when the account was rolled…
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Coventry First Home Regular Saver 'maturing'
I have had this account for almost 3 years and its 'maturing' mid December 2025. Received email from Coventry advising me of this and saying details of presumably options had been sent by letter. Have not received this letter yet to which they refer to despite being sent out 20th November. Anyone else received the…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go.As Cynergy only have to notify you if the…
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Nationwide FlexDirect interest rate
Where is the interest rate for a FlexDirect account displayed in Nationwide online banking???!!! I think I'm going mad, but I just can't find it! TIA!
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Best bonds' fund for nearing retirement
Following on from a previous question, can anyone recommend the best fund for bonds please? Ideally available to purchase as part of my SIPP through Halifax Share Dealing. I did read about a study (Beyond the Staus Quo: A Critical Assessment of Lifecycle Investment Advice) that recommended 100% equities (33% US, 67% intl.)…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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What to do with £35k
Asking for a family member A family member has £35k for investment that they would like to maximise the value of, and they've asked me to ask the hive mind. Age 46 ISA allowance is fully used for this year. Money not expected to be needed for a decade or more. They have a very healthy emergency fund. Do they invest in a…
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Savings tax interest - confused!
Hi all, I’ve had a letter from HMRC today letting me know I didn’t pay enough tax in the last financial year due to earning interest on savings. Happy to pay it but am struggling to understand their calculation and hoping someone here is more clever than me and can understand it! I am a higher rate tax payer, earned £1066…
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On going FA charge (sorry)
I have a small pot of £360k with Prudential that I cashed in 2022. The Pru appointed an FA and he set up a Prufund RM3 and Prufund Planet RM3. It just sits there and I have an annual review that takes about 30 minutes and its the only time he interacts with me. The Pru pay him monthly out of my fund. He has dropped his on…
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Treasury Gilt vs Treasury Stock - difference(s)?
I've just noticed that most government bonds are issued as Treasury Gilt (e.g. TE28 - 4 3/8% Treasury Gilt 2028) but some are issued as Treasury Stock (e.g. TR38 - 4 3/4% Treasury Stock 2038), but I can't work out if there are any differences between how they work and underlying risks. Anyone with some info on this? Thanks…
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Would this strategy of 100% equities work?
What if I had 100% equities (in index funds) and a cash buffer to pull from for the average bear market of approx. 22 months of living expenses. Plus, say, 22 x £1,000 to buy the dip?I think I'm getting close to retirement and I am mostly I equities with hardly any bonds which I'm told is ill-advised.
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Best Strategies for Saving and Investment: How to Build Wealth Over Time?
Hey everyone, I'm relatively new to saving and investing, and I wanted to get some insights from experienced members here on the best strategies to build wealth over time. There are so many options out there, and it can be overwhelming to know where to start. Here are a few questions I have: * What’s the best approach to…
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Security problems on some ii screens?
I'm getting security errors (the Your connection isn't privateAttackers might be trying to steal your information from secure.ii.co.uk (for example, passwords, messages, or credit cards).net::ERR_CERT_AUTHORITY_INVALID screen) on certain ii screens, when I'm logged in to the site. It seems to be screens that start…
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Portfolio Risk Measurement
I have finalized my asset line up for next year so now my attention has turned to ways to
measure my portfolio for risk. A number of posters recently have mentioned a
desire to reduce risk but none of them have attempted to quantify what risk
levels currently exist in their portfolio’s. Simply, if you can’t quantify…
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CSH2 query
I bought some CSH2 on Friday (Lyxor Smart Overnight Return Money market fund). I looked at the portal yesterday and saw that I had made a small loss. And indeed, in Mon 24th the fund did close lower than it opened (see below). My "buy" price on 21st Feb was 117,087. I'm not too bothered but am just interested, for my…
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Some advise about investing small amount please
I am considering investing, though never done so before. As have been quite risk averse. However wish to try to increase my pension pot and have more options for the future. Therefore would appreciate some advise, as I am unsure if a S&S ISA is suggested over investing directly into the market and with my budget I can only…
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My experience with Charles Stanley Direct - AVOID!
Long time lurker but infrequent poster. I want to let people know of my experience with Charles Stanley Direct (CSD). I was tempted by their cash back offer, but never again! I attempted to transfer a SIPP to CSD. My initial transfer request was made on 31
July, in the end I gave up and cancelled the process in…
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