Savings & investments

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…

Hello recently opened Revolut current account to get £20 cashback which worked well and quick Noticed the 5% instant saver for 6 months up to £25k which is a very good rate It would appear that savings are held with clear bank which has FSCS Protection up to £120k ? One negative I've read about is that account can be…

I received a dividend of circa 3573 euros reduced to 2631 euros after withholding tax reductions. I believe there may be a possible re-claim of circa £300. Could anyone advise me which form i would need to complete and the basic route. ?

We are just about to receive the payout from a life-policy related investment plan we have had for some 30 years which pays out a tax free lump sum on maturity. Probably upwards of £200k. We're wondering what to do with it: hence the title of this thread! The plan was designed as a way of saving to provide money at a stage…

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…

I will shortly be receiving an inheritance around 40 to 60 thousand pounds and I am looking for an account to park it in short term. I currently have a cash ISA but its already maxed out for this year, I don't want to put it into a stocks and shares ISA. The reason is, once its received and our current abode is sold, we…

I have a newly opened Barclays investment ISA and am I right in thinking that in order to set up a regular investment I need a direct debit to fund the account and then a second order to state what I want to invest it in? Is there no way to do it in one step? Thanks.

So after following a fellow Carpenter on TikTok, he messaged to say thanks for the follow and we chatted all things trade. He then went on to side hussles and mentioned crypto, told him I dabbled few years back and not a lot came of it. He suggested a trading platform called Coastal Trading Luxe. He talked me through how…

Hi all, I'm tempted by the MSE promoted offer but have never dabbled in shares, I've only used savings accounts as an investment. I don't think I'd get massively in to it but thought with this offer I shouldn't lose in theory unless the shares dropped heavily in value? I have heard people saying to invest in different…

Or should I say a resident of Scotland when it comes to paying tax. And of courses a frugal saver. In particular if you are managing your income and trying to go as close as you dare to being a higher rate tax payer but keeping the max £1,000 tax free savings interest allowance rather than breaching the cliff edge and…

Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…

I'm in the process of moving my savings from Monument Bank as their rates are now dragging behind and I'm looking at the Chase Saver With Boosted Rate as I prefer to have instant or short access(30 days max ). However I find the following a little confusing; The MoneyFacts website states that the Chase Saver With Boosted…

Hi all, So i just had a 53k bond matures, have maxed out ISA for this year and am now looking to buy 1,2,3 and 5 year bonds. I think rates still have room to creep up a bit higher. One thing has occurred to me I think is beneficial, some providers like RCI Bank allow you to chnage your payment interest method at any point…

Hi all, Wanted to see what people think of the current situation on the stock market. Was wondering if I should pull the trigger on any of these “discounted big boys” or just keep putting into Vanguard S&P 500? NVIDIA, META, APPLE, AMAZON, MICRON, MICROSOFT, GOOGLE, AMD, TSM etc

Hi Everyone, I just wanted to double check one information. I opened Nationwide 1Y Triple Access Saver about 5 months ago, it currently gives me 3.5% (I haven't used any withdrawal). I can see that they've got a new account that gives 4% currently. Can I just open the new one and transfer my money without losing the…

Hello. I'm looking for a fund that will leverage the increased defence spending across Europe. Can anyone recommend a fund that broadly covers this sector? Thanks.

I do, and when updating my spreadsheet I also update my benchmarks. For equities, my benchmark is 90% HSBC FTSE All World Index and 10% Fidelity UK Index. That is about 59% North America, whereas I am underweight there at about 43%. For fixed interest, my benchmark is 50% Vanguard Global Bond Index and 50% Fidelity Index…

I have been keeping an eye on this fund for a while and note that it is an accumulation fund. https://www.google.com/finance/beta/quote/CMOP%3ALON?sa=X&ved=2ahUKEwi0h8XwsYGVAxUWUkEAHerQFe0Q3ecFKAN6BAgdEAQ When I had other funds where you could choose to have the fund as an accumulation fund or a distributing one, where you…