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Advised to put savings in an isa
My IFA has advised me to put some current savings that are in a bank account into an instant access isa. I tried my starling account but they are only just rolling theirs out and I’m not eligible yet . Trying to keep things simple. What should do now to find a suitable one. Tia
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AJ Bell fund deal charges
I'm sure I read over Christmas that AJ Bell are going to remove the £1.50 fund dealing charge in the spring. Now I can't find anything online about it. Has anyone seen anything to that effect? As a regular investor, that would suddenly make AJ Bell much more attractive.
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Skipton and leap years
Just had an email off the Skipton to clarify they don't pay interest on 29th February. Not sure this clarifies anything? Does it mean what it says, or does it mean you don't earn interest on 29th February?
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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Oxbury Bank 3 and 6 Month bonds
Oxbury Bank regularly offers 3 and 6 month bonds. Current rates on offer are 4.22% and 4.23% respectively. However these are for exsisting clients only and can only be discovered if you have an account. If these shorter duration bonds appeal, savers should consider opening an easy access account with Oxbury ( minimum…
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Santander Fixed Term Saver Interest
Fixed Term Saver I opened a 1 Year Fixed Saver with Annual Interest in December. The account paid a small amount of interest on the 1st January this year and will pay the rest on Maturity in January 2027. I'm unsure if this interest paid in January this year falls into this tax year or next tax year with the maturity…
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Student loan
I have £3,355 left on my Plan 1 loan and £12,263 left on my Plan 2 loan. The government website claims both loans are at an interest rate of 3.2%, although this seems strange to me as it also states that interest for Plan 2 loans is "3.2%, plus up to 3%" for my pay band (however it does not state what this 'plus up to 3%'…
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FTSE100 best single year return since 2009.
21.5% return not including dividends, fuelled mostly by defence, banks and mining companies. I honestly didn't think I'd ever see the FTSE100 perform this well ever again, needless to say this is obviously an outlier year, a one off fluke, but perhaps the FTSE100 might regain some lost ground over the coming years I dunno.
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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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Original Book Cost of SIP Shares After Redundancy
I was in a 'share match' scheme with my company for 20 years before being made redundant on 30/11/25. I was designated a 'good leaver' and all the more recent taxable and locked shares were opened to me as tax free, along with any normal tax free shares sitting in the plan. I decided to transfer all of these shares from…
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Santander savings and investment
Hi, I'v been talking to a Santander financial advisor, we are looking at investing over a seven year period with moderate risk. However I'm a bit concerned about the fees involved. If we go ahead it will be £2,000 for putting everything in place then £450 every six months over the course of the investments, which seems a…
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Selling shares in certificate form
Really need to sell my very small holding of BP shares that I have as a certificate (bought way back in 2008 roughly). I used to use x-o but have only just discovered they've closed (I got no e-mail about that happening). Where can I sell these shares now?
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How to establish share cost for CGT purposes?
This may appear complex, hence the request for guidance. I acquired some shares in 1999 as part of an acquisition of
part of a company I held shares in (The value of my original holding was
obviously devalued at the time). I am now looking to sell the acquired shares, however, I’m
unsure as to what share price can now be…
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JN Bank re-branding to 'thisbank'.
As a customer with a few accounts I got this email from JN Bank.
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Moving away from US Equities
Just curious to what extent you have tilted away from US equities if like me you are concerned with high US valuations. I have recently gone from 60% US to 28% US. I appreciate this will be seen as an extreme reaction by many. The remaining 72% is split between UK, rest of Europe, Japan, Asia Pacific excluding Japan and…
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Best savings accounts for pots
I currently have a Zopa account because I have around 10 different pots for different things and it helps me to keep track of my savings. Their interest rate has massively dropped lately when compared to the Chase savings for new current account customers but I can't seem to set up pots with a Chase savings account. Is…
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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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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Loss of interest on fixed rate saver
I transferred cash into a 2 year deal with Nat west on 22 10 24 and on 29th Oct 26 they messaged to say they had transferred it into a new 2 year deal without any advance notification although I knew it was soon to mature. I wanted to put the savings into an ISA so transferred the money out - I suffered the loss of 3…
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Zopa Regular Saver Maturing
I was fortunate enough to grab the (fixed) Zopa Regular Saver last year at 7.50% It' set to mature in early Feb. Now, I see that Zopa are still currently advertising online a (variable) regular saver at 7.10% so I thought it would be just a case picking up another reg saver with them after maturity. However. I could see no…
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