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What is driving the FTSE100....
It just seems to be on a roll. I used to slag it off as a sickly index compared to the S&P500 and NASDAQ but lately it is on a flier. Do you think it is a bubble?
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Lump Sum Investment
I have a lump sum of money to invest, £200,000, and have used my ISA allowance. I would like to put the money away for 2-3 years. Have been told that an ISA feeder is a good option and I do think this is not a bad idea, but I am not sure that I would want to put such a large sum of money at the mercy of the stock market.…
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Bank rate held Feb26
At its meeting ending on 4 February 2026, the Monetary Policy Committee voted by a majority of 5–4 to maintain Bank Rate at 3.75%. Four members voted to reduce Bank Rate by 0.25 percentage points, to 3.5%.
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Children's (Bonus) Bonds.
Hello. I wonder if anyone can help. I want to trace some Children's Bonus Bonds, (as were, I understand the bonus bit was dropped some time ago). As a new grandmother, I purchased the bonds over a period of some months, 2002 - 2003. The family concerned moved house shortly afterwards and the paperwork was lost.…
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Discretionary Managed Funds versus Indivually Managed Funds
I need advice please. I have a SIPP worth 200k with Novia Global with a portfolio of 8 individually managed funds. All of which is managed by my IFA. He believes I would be better transferring these to a DFM. His reasons are: He believes I would see higher returns The charges would be the same. My feeling is he is being…
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Santander Monthly Regular Saver
Does it really take 3 days for this account to mature? Seems a very slow process and obviously benefits Santander. Waiting for mine to mature : (
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YBS online and deposits by direct debit
I'm one of those with a legacy web saver account (from when YBS took over Egg) which has the facility to make deposits by direct debit. With their new online banking interface I can't find the relevant menu or page to manage the direct debits. The current active dds are still being pulled, but how do I amend them? Or…
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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Chetwood Bank reliability
I am ready to invest a 5 figure sum in fixed savings account with Chetwood but seen in a dreview that they do not issue Tax Statements of interest which is unusual. Any one have an opinion as to why this should be so?
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Where to put £150,000 for 6-8 weeks
I'm expecting a lump sum death benefit pension payment and I'm going to use it to pay off my mortgage. Any thoughts on what to do with the money between receiving it in my bank account and the date I can pay off my mortgage?
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HMRC interest paid query
I like to think I keep very good records of interest that I'm paid, and I've received a notification from HMRC that they think I received about £300 more in interest in 2024/25 than my own records show, and they've updated my tax code accordingly. It's possible that I may be wrong, but I'd like to know, before I spend an…
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Trading212 dd not honour the £30
Hi everyone, Just wondering if anyone else has had issues with receiving the £30 - after signing up through Martin's promo offer link, trading212.com/join/MSE30. I contacted their support who said that there was no record of the promo code, and that it had exceeding the period since signing up and refused it. All the best
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Personal and savings tax allowance questions
Having just retired I'm in new territory so would appreciate some advice on what are probably pretty basic questions, before I bother my very busy accountant... This coming new tax year, and for the foreseeable future years, I anticipate being able to access savings interest of approx £40k per annum; I also receive full…
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MSE Chase 4.5% Headline figure
Why are MSE still advertising this headline figure of 4.5% for Chase savings account for new customers when they have already reduced it for me. I took it out and its now 4.2%!
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79th Group investment
Looking to see if anyone has had any success, or positive progress, in recovering their investment, following the collapse of the 79th Group?
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Where to park my money
I am looking to minimise my tax on my savings interests and investments. To minimise CGT, I am planning only to sell when I can move my investment into S&S ISA. In terms of ISA allowance, for April 2026, I am planning to use money from my savings account to invest into a S&S ISA. For April 2027 ISA allowance, the options I…
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Interest on fixed rated bonds
I’ve just had issues with Nationwide and their handling of tax on my 3 year FRB. They credit the bond annually with the interest for that year, and tell HMRC that i have received this. However i can only access the money on maturity. I have put down the entire 3 year interest payments this tax year, and didn’t realise that…
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Unable to login to Raisin
Raisin keep sending me nag emails telling me my monthly account statement is available. This is despite the fact I have not held an account with them for years. So I tried to login… After entering email address & password followed by 2FA, I get this:- The 'Confirm' button remains greyed out so I am unable to proceed. I…
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ISA yearly allowance
EDIT - Has now contacted share dealer. EDIT - Finally believed £20 limit, reversed 2nd ISA. As I read it, you have a £20,000 allowance to put into any combination of different types of ISAs. My partner put £20,000 into a cash ISA earlier this year and has today opened a Shares ISA "using" (maybe, I know nothing of shares.)…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Added new funds to new ISA on last day of old tax year... by eskbanker
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