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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.…
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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…
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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…
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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…
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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…
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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…
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Monthly bank charges
As I pay tax on the interest I earn on my savings with certain banks, can I offset this a little by claiming back the bank charges I pay monthly just to have the account?
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MSE News: Child Trust Fund letters sent to thousands of young people missing £2,200 on average
Thousands of 21-year-olds are set to receive a letter from the Government reminding them they've got a forgotten Child Trust Fund, worth £2,200 on average. Inevitably this means scammers will likely take advantage, so here's how to make sure your letter is genuine and how to track down lost savings yourself for free… Read…
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Selling shares in certificate form
Really need to sell my very small holding of BP shares that I have as a certificate (bought way back in 2008 roughly). I used to use x-o but have only just discovered they've closed (I got no e-mail about that happening). Where can I sell these shares now?
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Cheapest Platform to Buy Gilt
Looking into putting money into a gilt, and want to ensure I am using the most cost efficient platform. What is the cheapest platform to buy a gilt? Is there a platform with a sign up incentive? Does it depend on how much you are putting in? Does it depend on what Gilt you are selecting? If it helps, I will be going for a…
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What age to move from investments to cash savings
My understanding is that investments in stocks and shares are for the long term due to short term ups and downs but over time will give a better return. Whereas savings have a lower return but you can't loose your money. At what age does long term investments become less prudent in relation to life expectancy and the need…
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Problems selling entire UK gilt holding on II
I am trying to sell my entire holding of a UK Gilt, but the platform is not allowing me to. For example, I hold 38633 shares of TN28 in my trading account. I want to sell my entire holding, but when I try to sell a quantity of 38633 I am told "exceeds holdings of 38633". It will accept a sale of 38632, however. How can I…
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Zopa issues.
Has anyone had trouble with Zopa today? I just updated to the latest app and now I can't transfer money out.
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Santander Edge Saver ending.
One of my Santander Edge savers is ending. My 6% interest will drop to 3.5%. What's the process ? Wait until it matures then close it and open a new 6% one ?
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Cyber security, savings accounts and banks
I had a query about an ISA with a UK BS which I posted via secure message. I received a call from them and they wanted me to prove who I was by revealing personal information and password details. Although I'm fairly confident the call is genuine is there no UK standard for banks and BS to prove who they are when they…
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Funding Granddaughter School Fees
It was over a year ago that I posted a question regarding the best way to fund future school fees for my 6 year old granddaughter. I received some excellent replies at that time. If it all goes to plan she would start funded education in September 2031. I did not go down the investment track as it was felt the timescales…
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NS&I Index-Linked certificates - changing terms?
Sorry for silly question, but is there any downsides to changing the term from 5 years down to 3 years at maturity? I see the both pay CPI + 0.01% so the reward is the same, so earnings should be comparable year on year? Or have I missed something? I assume a 3 year term is probably a better bet as not locked in? Also,…
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Can I pay tax on interest direct to HMRC?
I inherited some money after my Mum passed away this year and after maxing out ISA and premium bonds etc I have still earned around £5000 in interest (I'm very fortunate). I work 32 hrs a week so the tax will be taken through my tax code and from my wages. I would much rather just pay the tax owed direct to HMRC and get it…
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MSE News: Premium Bonds prize rate to rise to 3.8%
https://www.moneysavingexpert.com/news/2026/05/premium-bonds-prize-rate-rise-july/
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Accumulating vs dividend-paying ETF
I've recently signed up for Interactive Brokers, and am trying to figure out a sensible default for the majority of my income. I basically want a cheap ETF that tracks the global economy, and one of the best options I've found is VT, a dividend-paying ETF for the Vanguard Total World Stock ETF, with an 'expense ratio' of…
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