Savings & investments

I currently have 5 savings pots with TSB, with standing orders setup each month to save for Christmas, Summer Hols, Birthdays etc. The interest rate on this has fallen to 1.44%, so I'm trying to find an alternative method with better rates. I've been searching around but cant find anywhere as simple as the setup I have…

Hi, I hope this is the right place to get some help for this question, I found an old HMRC cheque for a tax rebate of about £1000 a few months ago, the cheque was about 11 years old. I'd lost it and never cashed it, I called HMRC and they asked me to send it in and they would have a look, since then I've heard from them…

Hi, Can someone answer this for me please? I invested £2880.0 into a Sipp in 2025 and receivd the 20% tax relief if I leave the money there will I get 20% this year or should I draw down and put £2880 back in. Thanks

Has anyone tried to close an Edge Saver recently using the online chat? I requested mine to be closed on the 1st of June and Sandi said it would be done within 5 working days but it is still there.

I have submitted a tax return online for many years; however I cannot find the option to submit one this year. I am using the log-in-file-self-assessment-tax-return url followed by signing into government gateway option. Any help would be much appreciated.

Can I miss a monthly deposit without losing the account…or is there a minimum deposit…on half pay long term sick..hopefully going back soon..but also in middle of moving house…could so with missing a deposit…thanks

So got my Scottish Widow account setup and talked to one of their agents via the web chat who was really helpful. I've filled out the Crest Form. Now doing their Transfer Form A. But it asks for Book Cost. "please enter the original total amount you paid for your investment" But it was way back in 2010 so I don't remember.…

I started an ISA with InvestEngine a year ago for tucking away spare money, separate from my pension savings. While I like the offering from them, ease of using the app and obviously the low cost of investing, I can't shake off an uneasy feeling about their reliability. For example, they pulled their new Life plan managed…

Hello, I have been with InvestEngine for almost 2 years now and have both ISA and GIA, there has been no issues until recently. I've been asked to provide additional documents to confirm source funds, e.g. bank statements and gov ID that I have provided. I thought that will be it, but they also ask me to hold my ID and do…

Afternoon all, I'd be grateful for some general advice on the position I'm in. Turn 36 in August. Recently became mortgage free. Only "debt" I have is c.£20k for Plan 1 student debt; in theory that gets wiped in 10 years. There's no salary sacrifice at my work to lower my monthly payment. £130k in a SIPP £10k in a S&S ISA…

Apologies for the basic nature of this post, but from a complete novice perspective I'm just trying to get the fundamentals right. I have some cash savings I'm trying to redeploy into various 'capital preservation' vehicles for a couple of years. Looking at short term Gilts I've identified the TG30 as potentially…

Vote 7-2 to hold @ 3.75% https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2026/june-2026

I keep careful records but I also double check amounts online with bank and building society accounts. Some make it easy eg Skipton, Santander and a composite document for all accounts is easy to find. Some put this in a very obscure place on their website. Others eg YBS make the information available only by checking each…

So I know little on this subject and welcome your thoughts I recently received and sum via the executor of the estate of my Father Said estate was in the IOM and as such was managed under the legislation there. Reading about inheritance tax is confusing I live in Scotland Do I need specialist advice regarding how this is…

Hello! Based on the deals listed in the MSE newsletter I'm considering getting a Trading212 account. However, I'm not sure if I can make use of each deal. One option is to open an Easy Access ISA that provides a bonus % rate for new customers. The other deal is an Investment ISA account that provides £50 bonus into a…

Anyone know how the Nationwide Fair Share scheme works ? I was moved over to Nationwide after being a long standing Cheshire Member, no bonus for that either. I have never received any 'fair share'. I tried making contact with Nationwide on Instagram, but that is not monitored. And for reasons unknown, I am suspended from…

Is the ILSC worth renewing for 5 years (with no access allowed during the term) or cashing in and putting in a Savings Bond with Monthly Interest and access allowed ? I'm retired due to an injury and living off the interest earned on various savings bonds and a pension. Any advice would be appreciated. Thanks

On 16/2/26 Hargreaves Lansdown decided there was an anomaly with my postal address despite me being registered with them at this address since 2009 and holding a SIPP,ISA and fund share accounts. They immediately placed restrictions on my accounts and used the none guaranteed second class royal mail delivery service to…

Initially tried tried using AJ Bell who offer such a free service hoping you will take out a SIPP account with them. Went through discussion with my friend, a very busy man starts at 6:30am! Came up with a list of past employers with addresses etc and sent to AJ Bell, who decided they wanted to deal with him direct, but…

Many amateur investors, like myself, frequently become confused by how much to allocate to different regions, there are often as many questions as there are answers. We recently debated at length, the merits of reduced US allocations, now the subject of Emerging Markets (EM) allocation arises. Whilst I have arrived at my…