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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Vanguard fund, how to sell without triggering capital gains tax?
Hi, In my Vanguard GIA account Ive been investing in the FTSE Developed World ex-U.K. Equity Index Fund - Income. Im thinking of 'cashing-in' on the recent gains, which in total are slightly more than the £3k capital allowance limit. How can I sell the right amount to keep myself below the capital gains limit? Also, do I…
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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JP Morgan Personal Investing - £100 Cash Offer
I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…
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AI “play” - active or passive?
A family member (whom I help with SIPP admin, etc) has asked me for my thoughts on an “AI” play. Although on a personal level, I’d probably prefer to stick with what I know, I do want to give whatever help I can. We’re definitely not talking about individual company shares here and so I’m thinking something like an ETF…
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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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impact of savings interest on student loan
Hi in very fortunate position that due to an inheritance have earned about £3k of savings interest last year (not in an ISA) But am i right in saying this will be counted as unearned income for student loan purposes ? Do i have to do a self assessment or will this automatically be covered through my student loan deductions…
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Reducing HMRC Payments on Account
A quick bit of background: Having filed my Self-Assessment Tax Return for TY24/25 last May, I am faced with a Self Assessment 'Payment Due' of approx £3000, of which £2000 is income tax for TY24/25 and the remaining £1000 being the first payment on account for TY25/26. A further £1000 'payment on account' is due by 31 Jul…
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How to choose a savings account
In 3 months time I will be coming to the end of my DMP (Very proud to have paid off 34k of debt) As I have become used to paying nearly 700 a month to my DMP. I don't want to just blow this money each month once I have finished my DMP. I have never had a savings account really. I think I might like like to distribute my…
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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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Long lost shares
I need help in tracing some shares i bought with a company i worked for way back in the early 1990's They were called Franklin Quest back then and more recently Franklin Covey according to companies house. Originally the company was from Salt lake city USA and had a small branch here in the UK i worked for. I have no…
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Looking for savings advice.
Hi all, new to the forum so please be gentle. My wife and I both receive the new state pension and our financial situation has changed recently due to inheritance. Currently, we own our own house, no mortage and no debt of any kind. We have a second home through the inheritance which is up for sale. Intention is to sell…
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US Markets Risk
Morningstar articles about investing tend to be informative rather than fluff pieces, many are an excellent trove of information. Below is an article that attempts to quantify the risk in US markets currently, supported by understandable metrics. (see the graphic entitled, Market Themometer). "I like this chart because it…
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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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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Recognise Bank
I can't keep up with the list of unheard of banks on the savings league table as they change every few days, lol. My money matured this morning from Aldermore so I need to put it with another bank and now a new bank has come into the league table called "Recognise Bank". Not seen any posts on here for this bank when I put…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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UBL UK bank
Anyone got an account with this bank and can comment on your experience? They are in the top 12 months fixed rate savings account on the savings section.
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Trading 212 funds - Updated with portfolio thoughts
I am considering transferring a (currently managed) S&S ISA to Trading 212 as they don’t seem to have any charges and I have a cash ISA with them, however I am struggling to find a list of ETFs they offer to decide if they are right for me. Does anyone have a link or some insight they can offer? I am primarily looking for…
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Top slicing relief on Investment bond
Can anyone advise on the tax due on a £60k chargeable event gain from an international investment bond (tax not paid) that's been held for 22 full years. No other income in the tax year. I understood that starting rate for savings and personal savings allowance are recalculated based on the sliced gain so should still be…
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Most recent: Help please re: Fixed Cash Isa's that still accept funds during duration of fixed term by intalex
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