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Selling shares & CGT
Over many years of working I Bought shares in the company I worked for through sharesave schemes as and when they were issued, the money came directly from my wages so it was a way of saving As they were bought at different times obviously the cost per share was different I later transferred them all into a stockbroker…
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Nationwide 5% bond gone?
Received an offer on the above product and went to open it tonight and it does not exist any more, has it been withdrawn?
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Inheritance 100k - What would you do in my situation?
I will be receiving about 100k inheritance later this year, any advice on what to do with it would be gratefully received. 50yo female Not working Claiming contribution based ESA Universal credit pays rent Housing association house Single No pension (except state pension, I hope! No debt No ISAs Obviously UC will stop so I…
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HL Active Savings Account
I've been spending a few years flitting savings, emergency fund money, etc between different bank accounts and it's manageable but very messy. I have to use a seperate spreadsheet to manage it all and it's easy for a bank or society to reduce a rate without you noticing and then you're losing money to inflation. At the…
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Trading 212 alternatives?
Any suggestions? I opened an account with Trading 212 over five years ago but despite updating my KYC information I invariably get asked for source of funds docs every time I try to make a modest deposit. I assume their app includes some kind of AI functionality because the request for additional info/docs comes in seconds…
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Crypto Trading sites
Hi, I was wondering if someone could explain the crypto trading sites and the differences between them when it comes to value you get from each platform. There seems to be a clear difference between these sites that all have the same %age fees. For example, I have signed up to 3 different platforms and have noticed that…
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Saving for grandchildren
Hi, we have 6 grandchildren and as each one was born my wife started a Halifax savings account for them with a £20 per month direct debit. Roll forward a few years and, between the 6 accounts there is about £20k. Halifax notify the Tax of interest earned by my wife but include the interest on the £20k which puts her over…
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Inheritance
I'm due to inherit some money about £250k at the end of this year. I'm looking for ideas for the best investment accounts to put this into that are easy to manage with low fees.
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Timing the investment
The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. Are people expecting the markets to drop when the tariffs go live in…
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Skipton Bonus Saver
I opened a Skipton Bonus saver @4.5% (including the bonus rate of 1.7%). I already hold the Member Bonus Saver but this didn't prevent me from opening the Bonus Saver and nothing I could see in their t & c saying I couldn't. I funded it by DC today but it is only showing an interest rate of 2.8% ie without the bonus. Does…
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Vanquis Bank Withdrawals
Can anyone confirm what time withdrawals usually hit your linked account?I know it is next day but is it usually end of day, lunchtime or first thing?I have a forthcoming notice account withdrawal that comes out on a day that I'm planning to go away so am trying to work out whether to cancel the withdrawal or whether I'll…
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Halifax Mortgage and Savers Draw
Letter received yesterday telling me one of the draw factors of Halifax is being scrapped in September. The mortgage draw in particular gave you the opportunity to win a large amount of money monthly (albeit noone knows any winners). Coupled with the removal of awards, what is going on with Halifax, with a remortgage due I…
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Help tracking down old policy company
Hi MiL recently moved to care home and looking through old documents and contacting companies has mainly been fruitful. There is one item that has us stumped though. No end of googling has identified where this policy may well sit now. The documents list a product called an Assured Savings Plan, on paper headed up from…
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Bass Plc- Old Shares
Hi, just wondering if anyone had any advice. My grandfather passed away recently and left an assortment of Bass Brewery Stock Certificates. I know the company went through the following changes; In 2000, Bass changed its name to Six Continents Six Continents (6C) was then split into two companies in 2003 - InterContinental…
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Is it worth rebalancing my portfolio?
I have a SIPP made up of two funds. 28% is in HSBC Global Strategy Balanced C Acc 72% is in Vanguard LifeStrategy 60% Equity A Acc Ideally I'd like my portfolio to be split equally between the two funds. How an I calculate how much it would cost me to rebalance so that it's 50/50? Thank you
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Kent & Reliance withdrawal times
Hi. I can't seem to find (and I have looked) the withdrawal times of the Kent & Reliance Instant Access account. Is it quick and instant.I previously opened a Charter Account but closed it due to the slow withdrawal times. I need instant fast access. All the other accounts above this on the TOT charts are no good to me.…
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CQS New City High Yield Fund Ltd (NCYF) ; what's the catch ?
I've done a fair amount of digging on this relatively high yielding IT/dividend hero. I'm yet to find what exactly is the trip wire :disappointed: Plenty of history, strong total returns, transparent. Yes you're always going to need to identify good opportunities when there are bond maturities, but it appears to have a…
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Tax treatment of the Indexed uplift of a Discretionary Nil Rate Band Trust.
Hello, I am currently trying to sort out the tax implications related to winding up a Discretionary Nil Rate Band Trust following the death of my father, the surviving spouse. The Trust fund contained £285,000 ( the full nil rate band allowance at the time) and was indexed . This indexation amount over the 18 years which…
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Tennants in common with a parent ... Pros and Cons
I'm considering buying a house as tenants in common with my father and need advice on the pros and cons. He’s 72, owns his home outright, and I’m nearly 50, single, with no property of my own—making me increasingly anxious about both our futures. Originally, I planned to buy a property outright, but circumstances have…
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ReAssure Investment
Is anyone out there having problems with ReAssure as cannot access my online account as from yesterday and have tried 3 times to contact them by phone but just ringing out. Seems really poor customer service
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