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Basic Personal savings allowance queries.
Hi all, Apologies if these are answered elsewhere, I did a quick search for PSA topics, but everyone else's queries seem more complex/specific than mine. By all means point in the right direction if these have been answered before. 1. Is the only reason not to go over your PSA because it might push you into a higher tax…
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Struggling to keep up with top ISA rates
Hello, As the BOE keeps moving the goalposts downwards making it harder to score the top rate of interest (no pun intended). I have now opened and moved accounts with Trading 212, Chip, Atom and Moneybox, so i think i would count and a existing customer and not be eligible for the boost. Idk why they keep doing these boost…
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Imutual
Not sure if this is the right forum so can the moderators move it if necessary. A few years ago i used imutual.co.uk for cashback and i also got something like 10,000 plus shares. i havent logged on to the website for a couple of years at least. The website doesnt want to load anymore. Has the company disappeared? Not…
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Cahoot Question
I opened a Simple Saver account today. I put a few thousand into it and then tried to withdraw £1 as a check. It wouldn’t do it, and gave me an odd error message: “Order not allowed due to notices in the account attention!” Can anyone tell me what that means? I really hope they haven’t done something like freeze the…
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Physical savings
Just wondered whether anyone keeps any physical objects as non-tracked savings? For example cash, gold coins, electricals?
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Raisen
Opened an instant access account via raisen, just tried to withdraw first amount and it says 2 days not really instant access then? I'm really not sure about this when I called them they said paragon wouldn't know who I was is it safe? What happens if something goes wrong with them I've put all my savings in there
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Bare trust for granddaughter for school fees
My mother (82) would like to put money in a bare trust savings account for my daughter's school fees for the next three years (from September - age 13-16) - about £45k (£15k pa) - I cannot be the sole trustee as I am on UC but another family member could be a trustee too - can anyone give any advice as to if this is…
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Charter rate drops?
I wasn't sure where to post this as it seems to span a range of popular products. Casually looking on Charter's web pages this morning, I could only see Notice Accounts on offer. No Easy Access, no Fixed Rate and no ISA's. Could this indicate a flurry of rate drops? Incidentally, when I logged on, I could see just one EA,…
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Listed vs unlisted stocks for probate
I think this forum will be better for this question given the context. I am currently filling out the IHT400 probate form for my deceased mum, it asks if she has any listed stocks and shares or unlisted stocks and shares and control holdings. I don't know what these mean and google is not helping. She had a S&S ISA, a…
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Section 899
What do you think will be the impact of Section 899 (of Trump's "Big, beautiful bill") which just passed US House vote ? https://www.gtlaw.com/en/insights/2025/5/section-899-proposed-legislation-would-increase-us-tax-rates-on-many-foreign-individuals-companies-and-governments Perplexity says…
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Risk level for Vanguard funds Vs ETFs
I've been investing in mutual funds for a few years and have just started looking at ETFs. There seems to be ETFs on vanguard that roughly match a fund equivalent, but I've noticed that the ETF is always a higher risk level by one number. For example VAGS global aggregate bond ETF compared to global bond index fund. The…
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Do Accumulation and Income ETFs pay the same tax in a GIA with dividends reinvested/withdrawn?
After all the recent tax changes (CGT, dividends, etc.), I am trying to understand if Acc and Inc pay the same tax in a GIA after a number of years with dividends reinvested. Currently (for my Vanguard acc fund in GB) I get a yearly CTC, double check no ERI, then copy the dividend figures for my self assessment. When I…
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Advice with First-Time Investing
First time investing solo. I already have some investments in an ISA but these are ones that my (wonderful) mum set up for me ages ago and I am only now starting to really look into my finances. She died recently so there is a lot to try to manage at the moment as well as starting uni. The ones I have there are all active…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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inheritance & new to investing
Hi, I have inherited around £120,000, i'll use 60000 to pay off the mortgage but want to also start a private pension as I dont currently have one. Im 53 and have done some initial research, im considering a vanguard fund as it will de risk as i get older. Im concerned about putting a large amount into the stock market at…
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St James’s Place and Financial Ombudsman Services
After waiting since the beginning of August 2024, minor parts of my complaint have been upheld with a derisory offer of £300, which the amount SJP say the FOS is likely to offer me. 1. What is the approx timescale for the FOS decisions and has anyone with first hand experience got any advice on taking SJP to FOS ( this is…
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Plum being scammy..?
I stupidly opened a Plum ISA for the high interest rate thinking I can move my ISA after 3 months however I have now read further and apparently they do not pay your interest at the start of each month but instead they pay it at the end of the following month and if you move your money your interest voids. Furthermore you…
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Royal Mail Stock Holding – What to Do?
Having just sorted the National Grid rights issue situation I
now find I’m getting correspondence on the IDS (Royal Mail) acquisition proposal. Has any ‘small holding’ (less than 250) shareholders got a view on the way
forward or will this get accepted/rejected irrespective of what the lesser
shareholders decide?
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Big Nationwide Thank You
Looks like Nationwide are giving millions of their members a £50 bonus next month. https://www.nationwidemediacentre.co.uk/news/nationwide-pays-over-gbp-600m-to-members-as-a-big-thank-you-following-virgin-money-deal Seems to be unrelated to the Fairer Share Payment.
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List of UK gilts sorted by YTM?
Is there a website with a list of UK gilts, that can be sorted by YTM or GRY (yield to maturity or gross redemption yield). I want to buy some but it would take too long to work out each individually. Maybe someone made a spreadsheet?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
