-
Need an overview on £200k investment options
I've been squireling away for quite a while and have amassed about £200k, I am quite risk averse so the money has mostly been sitting in ISA's until now. I have no private pension and the amount is getting to the point it seems insane to just let it barely match inflation when it could be generating some decent passive…
-
Can You Sense Check This - Optimising Tax on Pension and Savings
I would appreciate some feedback on this plan, to understand if it is a good approach to minimising tax. I have recently come into a cash windfall due to a DB PCLS and generous redundancy package. With a bit of additional personal savings this all adds up to £450k in cash and is sitting outside of any tax wrapper. As I am…
-
Saga Savings can't withdraw
I have a Saga Savings Easy Access account set up in 2023 so with Goldman Sachs. I can log on and navigate round but when I try to transfer money to my current account it gives a message that it can't do that. I have contacted Saga who have raised a formal complaint but refused either spoken or in email to explain why or…
-
Aldermore Bank
Been trying to log-in to Aldermore Bank to enter maturity instructions, but website address not recognised. Anyone know of planned maintenance? TIA
-
"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
-
Interest for 17 yr old on £35,000
A children's account was moved on his 17th birthday to a Virgin account paying about 1%. What could he do with this to at least protect against inflation
-
New to ii Platform
I have recently transferred from HL to ii, which saves me quite a lot in fees per year. Obviously changing from one platform to another is a bit frustrating as you try to get used to the new system. I remember changing from Windows to Mac and initially regretting it until I got used to the changes. However one of the…
-
Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
-
NASDAQ rule changes....
So NASDAQ have taken away their 6 month / 1 year delay on newly listed companies being squeezed into our pension funds. Which means any new company taking a huge hit in the first year comes out of penson funds. Just wondering, how much is the VLS60 affected? I naively think that FTSE isn't exposed, except through a knock…
-
With tax on savings set to increase to 22% on 6th April 2027
Is it better to select monthly interest option if available rather than annual on any savings accounts that otherwise pay the interest next year? Then pay 20% on interest received this tax year and 22% next?
-
Joint Savings Account for Inheritance
My 3 adult children have just received money from my mother’s estate and while the 2 eldest are sensible with their money and have mortgages, our 22year old son isn’t. He has agreed to me managing this money for him, but not sure the best way to do it. Would prefer it is in his name as it is his money - would a joint…
-
Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
-
Cahoot Sunny Day Saver
My existing Cahoot SDS is about to mature. When I attempted to open a new one I got this:- Why is it asking for a monthly payment?
-
Savings Question
Hi All This is probably an easy one to answer but i am just looking for confirmation that i am correct. I opened a savings account in May this year (so falling in the April 26 - April 27 tax year). It is a fixed for 12 months savings account which matures in May 27 (interest paid annually) So am I right in thinking that…
-
Child Investment Question -
hi Forum Quick question if anyone can advise: I bought Vanguard S&P500 etf with Trading 212 in my name so my new born can have some savings when they are older. What is the best way to get this now trasnfer in their name? or any ideas? I dont want an JISA as that locks it away until they are 18, i still want access incase.…
-
Spring saver 4.3 AER
Hi all, I am looking at the account above and I see the max balance is 20k. I cant find anyway to contact them to ask, but I was wondering,.suppose you lodge 20k into the account and because interest is compounded - the balance goes over 20k at first month's payment. Is this permitted so the excess balance (which i assume…
-
Cash money not being invested into my interactive invested sipp fund?
In my interactive investor sipp I have a monthly regular amount set to be invested into my fund which should have been invested on the 20th may which didn't happen and now says 17th June. The only change I made about was 2 weeks ago where I added a single extra one-off amount to be invested alongside my recurring monthly…
-
How to request SA tax return
Can someone advise how I can request to go on SA. For y/e 2026 HMRC have overtaxed my pension (via emergency tax), I also need to inform them of a small capital gain (They don't know about this), and confirm interest received. (They overestimated/got this wrong). Logging onto gateway doesn't help (directs me to form SA55…
-
Investment Platforms Capital Gins/ERI Reports for General Investment Account
I currently have GIA with both HL & Interactive Investor neither supply or track CGT or ERI so I am looking to switch these trading account portfolios to either AJ BELL,FIDELITY OR CHARLES STANLEY , obviously price is relevant but also quality of their reports making easy for tax returns etc ? Also has anyone used an…
-
Best short term savings account
Hi, I've just taken partial retirement and received a lump sum which I'm still trying to decide what to do with. Any advice on where to hold the money in the meantime would be very helpful! Some of it is already earmarked and I plan to open an investment ISA so I'm just looking for something short term and with easy…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
22K discussions
169.3K comments
Most recent: HSBC cashback offer by GalacticaActual
11 September at 9:34PM
