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App to track all accounts and imvsstments?
Does anyone know an app that tracks all savings and investments? I need one that covers everything. In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few…
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Zopa Pots 7-day boosted rate
I keep some small bits and bobs of money in Zopa's 7-day boosted pots. I'm not sure when they've changed the rates, but I'd have to say now, boosted from what? Given that the Primary easy access account is 3.5%, the 7 day boosted rate is 3.33%.
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Flexi ISA vs savings
Currently my Flexi cash ISA (£1000) pays 3.9% and a savings account pays 5% I am a basic tax payer, would it be better to move the Flexi ISA to the 5% savings account ? Is one of the ways to work it out: 5 % - 3.9 % = 1.1% 1.1% x £1000 Flexi ISA = Interest earned Interest earned - (Interest earned x 20% tax) then choose…
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How to invest an inheritance
I'm 58, single and plan to go back to work after a carer break. I am about to wipe out my savings but secure my housing by buying a property, but I expect to receive an inheritance which replaces the savings. I will keep an emergency fund in my bank, so will have about 80K to invest. I put 20K into my cash ISA in April -…
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Moving Savings, maximising returns.
I'm thinking of moving my £40k currently in a Trading 212 cash Isa elsewhere now interest rates have dropped. I am retired with a £13k a year pension, state pension a long way off. Am I right in thinking that I can earn up to £4k in savings interest before it is taxed so I don't necessarily need an ISA?
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Savings Account
Hi. We are in the process of selling our house and there will be a gap of 4-6 weeks before we move in. We will have around £250,000 to bank for that iinterim period and I was wondering: a) Do we need to split the amount into separate accounts? or b)Put it into one account to gain the maximum interest over a short period.…
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BBGI Corporate takeover - possible loss of entire value of shareholding?
My wife and I owned shares in BBGI Infrastructure, on the Interactive Investor platform. The shares were spread between two ISA's and a SIPP. Following a takeover bid for BBGI a couple of months ago, we were asked to respond to a corporate action notice by choosing one of the following options: "OPTION 1: Do nothing…
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On your marks, get set... reduce rates
Which savings institution was first to email you about a savings rate reduction? 4.39pm. Tandem Bank, 14 days' notice of 0.25% reduction.
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Nvidia 2013 - 2025
Since 2013 it's up 57,465%, that's 69.7% per year on average 🤨😵💫🤯 But I feel like the company is surely running out of runway. I mean at $4.4trillion market cap even a 100% return from here is putting it close to $10trillion market cap. But I feel like we're living in a world where money isn't actually real any more so…
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Investment Advice Please
Hello all, I'm after some ideas on how I can invest my savings to get back a minimum of 8% P/A. My money is currently all over the place, and I need a new investment strategy. I'm tempted to pay for a financial advisor but wanted to get some input from you all first. My goal is to not have to work in around 10 years and I…
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help - selling shares under the CGT allowance
hello, sorry if this is a daft question, but can only seem to be finding out information if their is a capital gain to be paid (or a loss declared). I am assisting mum sell some old shares she had, and looking at the prices paid for them and the increase, the gain will be below the £3,000 capital gains threshold, as such,…
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Transferring shares from SAYE sharesave scheme to wife's ISA?
What’s the actual process to transfer share certificates to a spouse? Can I just give them to a spouse for them to deposit them into their own S&S ISA? The share certificates will be from a SAYE/shareshave scheme - managed by Equiniti. The S&S ISA will be provided by IWeb.
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Investing using Trading 212
I listened to Martin's investment podcast and have decided to give it a go. My savings are currently in a Trading212 cash ISA (£23,000), and so I've decided to use Trading212 over Vanguard for ease and simplicity. First of all, would you recommend opening a Stocks ISA, Invest or CFD account? I'm thinking of investing…
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Six By Nico Investment
Just had the email about this, good investment or stay away ?.
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ISA or Gold?
I have recently been looking into putting 20K into an ISA which is the full amount for the year. I had a 3 year fixed term saving's account with Nationwide and it matures in Sept 25. The bank informed the HMRC of my savings and interest gained for the 3 years and I recently noticed that the HMRC changed my tax code at…
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Premium Bond Higher Prize Winner?
It was asked recently if we could get an indication of those on the forum who've won one of the higher Premium Bond prizes. That being - Single prizes of £1,000 or higher. This poll won't provide any useful information relating to probability of winning bigger prizes. There is plenty of information on the other thread…
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Gift of cash. Is it just IHT we have to think about?
Our daughter is going through an amicable divorce. The house is owned 50/50 between her and her partner, and she would like to buy her partner out. My wife and I are considering a cash donation to enable her to do this. We're guessing that IHT rules will apply. Ultimately this sizeable chunk of money will go to her…
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Compound interest question - closing account early
I generally understand how compound interest works, and the difference between gross and AER if interest is paid monthly. However I'd like some clarification on how interest is calculated if you close an account early. Example: I have £1000 in an account earning 5%. If I close the account after exactly half a year, I…
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RCI bank experiences
I set up the 4.6% saver a few days ago I couldn’t make any deposits until the code came in the post. This came yesterday and I have set it up now. I’m not too comfortable with process from making a deposit, you do not name yourself as the payee and you have to use a very long code as a ref that cannot be pasted. I did a…
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LHV Bank app confusion
I went to 1 Year fixed and picked the first one LHV. On my
computer this is. I went to their website and I am told that I have to get
their app using google play. I am fearful of these things as you don’t know
what you might install. I installed the second as it had the same logo but was suspicious
as it appears as LHV AS…
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Most recent: Moving Nationwide cash ISA? by elkiedee
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