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First Direct Regular Saver - stay open if switch away?
Hi! I have a First Direct Regular saver that will mature in January, currently just under £3k in it. I've not switched current accounts for ages so looking at switching to Club Lloyds, but do I need to wait until the regular saver matures? If I switch before would it close the savings account or am I still eligible on the…
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Monmouth Building Society is so slow
Like millions of others I applied via my computer for their new regular saver a/c yesterday. Today they told me it would be faster if I downloaded their app and applied that way. I've been stuck on a page saying they're "currently processing your application" for 6 minutes now and presume it will be a long long time before…
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Advice on holding Funds in a GIA (ETF vs OEIC, and Accumulation vs Income)
Hello folks, I would greatly appreciate any advice that some of you might be kind enough to share. I recently inherited £100,000 from a relative who very sadly passed away. I have maxed out both my ISA and SIPP contributions for this year, but I want to get this money working for me in a Fund right away. Over the coming…
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Capital Bonds regular withdrawals and 'cashing in' ..
Having a Bond for 17 years and wanting to withdraw all the original investment by year 20 having not withdrawn anything for the first few years..but ReAssure says there's a cap of 7.5% on regular withdrawals so need to ask for a 'special' 'one off' withdrawal to take anything above 7'5% ? I don't understand this..
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Why would anyone invest in VWRP over SPDR MSCI ACWI UCITS ETF
I am deciding in which global etf to invest in. VWRP has a 0.22% and also charges a transaction cost while SPDR MSCI ACWI UCITS ETF charges 0.12% OCR. Is this something that is too good to be true? Am I better off going into a more trusted and household name in vanguard. Why does SPDR MSCI ACWI UCITS ETF cost more?
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Covered call options
I came across Schroder Income Maximiser OEIC while planning a retirement income portfolio. It uses covered call options, which the KIID describes by "To seek to enhance the yield, the investment manager selectively sells short dated call options over individual securities, portfolios of securities or indices held by the…
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Merged: Moneda Capital
This discussion has been merged.
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Ulster Bank: Account refusal?
I'm trying to move my savings from Chase's boosted account. I've just received the following message from Ulster Bank which is strange because the sign-up verification seemed successful and I received my customer number.'Before we
can activate an account, we need to do a quick identity check. Unfortunately,
we didn’t get…
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Offshore bond inherited from father - questions about tax, gifting etc.
Hi, My dad died earlier this year and left his estate to me and my sister 50/50. We're both executors and have probate. His estate was below the IHT threshold (with spousal exemption with my mum who died a few years ago) and consists of his house which is about to be sold, some savings and a cash ISA. All quite…
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Shares in 90s Privatised Public Utilities etc
Going through my father’s paperwork after his recent passing and I’ve discovered a number of share certificates for the public services privatised by the Conservative government in the 1990s. There are certificates for BT, East Midlands, Scottish Power, Scottish Hydro and Eurotunnel among others. How do I discover if these…
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Reporting/Paying CGT on line
I recently went on line to use the HMRC online CGT
reporting/paying website I’m doing it for the wife who has 2 disposals to
report. We are not obliged to fill in an annual tax return. One disposal shouldn’t be a problem Unit trust bought on one
day disposed on another day. The second disposal is part of a s.104 holding of…
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CAMBRIDGE EXTRA REWARD MATURITY - Extra interest ?
y account matured today , new one opened as directed today and balance sent to my current account which probably won't arrive until tomorrow. However I notice my new RS had an extra 20p put in which I think must be extra interest earned for a day on the electronic payment sent today until I receive the balance tomorrow.
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OCF discrepancy
Could someone explain why the onmgoing charge for Schroder Asian Income is shown as 1.65% on the Schroder website when the KIID shows 0.82%?
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Tax Free Saving Allowance
Hi, recently retired and earning about £200 per month from a small private pension, no state pension for another 10 years. My question is can my remaining personal tax allowance (1257L) be used against saving interest? Thanks for reading 😃
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The power of compounding
Most people know the power of compounding but I've come across a great demonstration of it. Take a look at the prices of the Accumulation and Income versions of this equity income fund. The Acc. fund grew by c.114% over five years while the Inc. fund grew c.64%. The difference is 50%, so you might think that translates…
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T35V Gilt
If I buy say £10k of this in my Sipp and hold until maturity, what will I have in October 2035? Is it as simple as £4750 in coupons + the £10k back, ignoring any interest on the saved coupons ?
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Capital losses (CVA) on Debenture held in Abundance Investments
I'd just like to run this past the helpful people here. I had a £10k investment (Debenture) in a uk plc, which had trouble during covid and spent a long while in administration and has now (July 2025) completed its Final distribution and Administration conclusion. I received a very small final consideration as part of the…
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Tax on income and savings
Hi all, Had a similar query in the past but getting closer/over the 40% tax boundary so become an issue now. I am currently a top of the band 7 in NHS paying into the NHS pension (10.7%) So I earn £54,710 p/a minus 10.7% so taxable income of around £48,856. I am due to earn around £1800 in savings interest (ISAs are maxed…
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ZOPA savings query
Hi ...I opened zopa account but only getting 3.25% interest and not the 4.75% as in most recent MSE email. I have lodged £500 to it. Have I done something wrong?
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Santander Edge 6.00% Saver
I have just received a secure message in my Santander online and app as follows. The interest rate on your Santander Edge Saver will go down to 3.50% AER /3.45% gross (variable) after the first 12 months on 5 January 2026. I know that the underlying rate of 4.00% is variable and that the bonus rate lasts for 12 months.…
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Most recent: Tembo Cash ISA transfer to Tembo Fixed 1 year? convert, or separate application? by RunsFromRobots
31 December 2025 at 11:05PM
