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Chip technical issue 18/11/2025
Hi everyone My post was about a technical issue this morning whilst transferring money to Chip. It looks like it's an issue on their end that they are aware of and are allocating payments manually if affected.
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Index-linked gilt, inflation uplift
I've just received my first T29 coupon payment and the DMO's site (https://www.dmo.gov.uk/data/ExportReport?reportCode=D5I) nicely shows how it is calculated. I hold 45283 units so *0.125% coupon, 50% of that (6-monthly coupon) *1.70874 (index ratio) = £48.36, the amount credited. My question is whether taking the…
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Halifax Halifax Group plc Historical Share Price on 10 Feb 2000
Hi, I've seen a few threads on this type of topic, but unfortunately nothing answers my query. For Capital Gains Tax records, I need to know the share price for Halifax Group plc on 10 Feb 2000. * I've tried emailing archives@lloydsbanking.com (as suggested by AI) * I've tried Yahoo historical share prices but they have…
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Sidekick Money Ltd - Safe to use?
As per the 2 x top savings threads in this forum, Sidekick Money Ltd are offering a 4.89% easy access savings account provided by GB Bank (part of this is % a bonus for 12 months)... https://www.sidekickmoney.com/savings Does anyone else feel a bit nervous about using Sidekick Money?I think it's just because I've never…
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Gilts to avoid tax on onterest.
Looking at the "How gilts can help you pay less tax on savings interest' guide. I notice the UK Treasury Strip 7/12/27 which has a coupon of 0%. I can't put that in the box (positive figures only) but it suggests that this would be equivalent to a return of 14%. How is that taxed? Apologies for this heavily edited post! I…
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New FSCS deposit protection limit
I’ve just heard on This is Money podcast that the FSCS deposit protection limit is likely to be raised on December 1st from £85k to £110k. This is quite big news so I’m surprised I haven’t heard more about it. Can’t say I’ve ever heard Martin L mention it! Shame it’s coinciding with the likelihood that Rachel Reeves will…
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2 signature account
I’m looking for a 2 signature account to deposit money for a few months up to one year. Can anyone please recommend a company who has an account for 2 people to sign? I’ve asked all high street bank and no one offer this service. Thanks
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Santander voucher
Hello I used the link in here to set up a new Santander and I haven’t received an email from voucher sent and Santander say it’s the 3rd party not then so can anyone help?
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FSCS £85k limit rising
Read somewhere over the weekend that from 1st December the FSCS £85k protection is going up to £110k.
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Learning more about investing; can anyone recommend a good book?
Hello,I've a SIPP and I'm using it to save for retirement, but I frequently feel out of my depth. I was wondering if anyone can recommend a relatively up date book on investing that isn't just an advert, or overly biased towards whatever the fashion is of the day. I do have an FA for my mortgage, but I want to actually…
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Merged: How to choose the right global ETF for you?
This discussion has been merged.
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Cahoot SunnySaver
many 5% £3k max of these accounts can I have. T&Cs say 1 sole + 1 joint. I have just opened my 2nd sole account...............???????????
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Investing in Kilts
"The Scottish government is "on track" to issue its first ever bonds in the next financial year, according to the first minister." https://www.bbc.co.uk/news/articles/cj97dw17k3do There's been quite a bit of talk on these boards recently about investing in gilts (and guilts) as a defensive investment option, so thought…
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Delay in ISA transfer money appearing
I recently transferred a stocks and shares ISA to a cash ISA. The stocks and shares ISA provider wrote to me on 13/11/2025 to say my instruction to transfer the ISA was complete and a payment (of the cash concerned) had been sent to the new provider.However, the cash has still not appeared in my ISA account with the new…
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FSCS Deposit Protection Limit - Is It Increasing from £85k on Dec 1st ?
Back in Mar iirc the PRA announced a plan to seek permission to increase FSCS limit from £85k to £110k - and some media muddied the water by iirc using a lowerr £100K figure. Has there been any official treasury or govt statement that this will be going ahead ?
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How to get income from funds from year 6 and not before?
I have 5 years spending money and I am looking to move the rest of my savings into S&S.If I do not need access to the funds until year 6, would choosing an accumulative fund and switching it to an income fund work? or should they be income funds from the start and keep reinvesting the income until I need the money in Year…
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Recommendations where to invest some of my inheritance
Hi all. I have recently inherited a sum of money after my Mum passed away. I really don't want to leave it sitting in a standard bank account where it will not do anything so I wondered whether anyone had any advice on where to place the money, or parts of it, to gain the best interest or investment return? Thanks in…
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Vanquis savings matured today but only received the interest!
Starting to worry a bit but perhaps I am just being impatient. Husband's Vanquis fixed rate savings account matured today. The interest appeared in our current account at about 9am this morning but the deposit (£8K) didn't, they just paid the interest. He tried logging into his account but on the main screen under Account…
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Maximum to hold in a single fund?
I tend to be a bit nervous about having 'too much' in one fund and would prefer to split an investment between similar funds to spread the (what I perceive to be) risk over different fund providers. Is there a rule of thumb for this ie a maximum that it's recommended to hold in one fund? Please be kind - I'm super cautious…
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Vanguard Equity Income or Royal London Sterling Extra Yield Bond?
I'm setting up an income portfolio and was about to buy Vanguard Equity Income, then remembered that RL Sterling Extra Yield Bond has historically performed similarly. They are of course very differently invested but follow similar trajectories, though with the bond fund less volatile. Which would you invest in, and why?
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: Cash ISAs: The Best Currently Available List by harz99
22 January at 10:12PM
