Savings & investments

My dad is a pensioner and his only income is the full new state pension (£203.85 per week) and interest on savings. I know about the PSA of £1000 that you can earn of interest tax free, but wondered if my dad can earn more than that? I have read something about a starter rate, but I don't know if that is applicable. Can…

I've switched for Lloyds to another bank, however I still have the Regular Saver and continuing to pay into it. The account still says interest at 6.25%. Will this continue to pay at that rate? I've seen nothing from Lloyds to tell me otherwise!

NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……

Hi all, Quick question for anyone who has transferred their general investments and ISAs from an active manager to simple passive Vanguard funds. How much of a headache is it? For historic and convenience reasons I have built up a decent pot of investments with a wealth manager over the years with the portfolio designed…

Just alerting MSE and others that after signing up to a Revolut account to access the 5% rate advertised on MSE and on their page, I was given 2.9% and customer support said that was the rate and didn't seem to understand why the 5% wasn't available. I gave up and closed the account!

Hi, I moved back to the UK recently and I've got a question regarding a non ISA Vanguard account I've set up. I've recently received a tax consolidation certificate from Vanguard which I'll report my very small dividends payment onto my self assessment. Say my investment increased by 21% that will be reported in the…

My late mother invested in a closed-ended land fund with Stirling Mortimer. Now that her estate has been finalised, my brother and I have the option of transferring it into our names. However, neither of us wants it, as a closed ended investment is just a complication for us rather than a benefit. It makes sense to donate…

Within this Government Tax Update released today … https://www.gov.uk/government/publications/summary-of-tax-update-2026-simplification-modernisation-and-fairness/tax-update-2026-simplification-modernisation-and-fairness-summary … there is a section titled 'More Timely Payments for Income Tax Self Assessment (ITSA)'.…

We have Interactive Investor accounts but I used to use a free account on the the London Stock Exchange website for quick price monitoring and to check dividend and results announcements through watchlists. They have now removed this facility and migrated the news monitoring to their Sparklive service. The new version does…

I will start by asking for no posts saying "How would you invest if your cash was in the bank today?".So, the miserable ride of the last year continues. I realised early this year that the Japanese market is highly - perhaps uniquely - unpredictable, for reasons I don't fully understand. I decided that because the fund…

I recently sold my narrowboat and have pocketed £38000 for it. Obviously over the ISA threshold. What might be an approach to earning the best from it? Ideally for 2-3 years. I bought a house earlier this year and after putting £45k into it on the purchase of a house which cost £249k, the vague plan is to pay off more off…

Prior to the 2008 financial crisis, I opened Passbook savings accounts with various building societies attaining membership rights. Following the 2008, their interest rates reduced considerably so most of my savings went to stocks and share ISA's leaving the Building Society accounts dormant accruing negligible annual…

Our 17 year old child has the standard Government Child Trust Fund. We have never paid into it, it's grown slightly vs was originally invested. It's a stakeholder CTF and I've read that these are low-risk to ensure no major stock market crashes in the run up to it maturing when your child turns 18. I'm uncertain about…

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?

Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…

I currently have 5 savings pots with TSB, with standing orders setup each month to save for Christmas, Summer Hols, Birthdays etc. The interest rate on this has fallen to 1.44%, so I'm trying to find an alternative method with better rates. I've been searching around but cant find anywhere as simple as the setup I have…

Hi, I hope this is the right place to get some help for this question, I found an old HMRC cheque for a tax rebate of about £1000 a few months ago, the cheque was about 11 years old. I'd lost it and never cashed it, I called HMRC and they asked me to send it in and they would have a look, since then I've heard from them…

Hi, Can someone answer this for me please? I invested £2880.0 into a Sipp in 2025 and receivd the 20% tax relief if I leave the money there will I get 20% this year or should I draw down and put £2880 back in. Thanks

Has anyone tried to close an Edge Saver recently using the online chat? I requested mine to be closed on the 1st of June and Sandi said it would be done within 5 working days but it is still there.

I have submitted a tax return online for many years; however I cannot find the option to submit one this year. I am using the log-in-file-self-assessment-tax-return url followed by signing into government gateway option. Any help would be much appreciated.