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I'm annoyed with NS and I
I'm also annoyed with myself for not reading the small print. My son was born in May 2005, ever since then I have been saving money into premium bonds for him. His holders number account was linked to mine so went I logged into my NS and I I could also see his premium bond saving. I targeted £1k a year to pay in when I got…
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Money market ETF recommendation
Hello, I topped up my 20k allowance on my Barclays Smart Investor ISA. Now I need to invest this. I do not want exposure to stocks as I have plenty. Can you recommend me a low fee money market fund that will basically earn me the risk-free rate? I don't want to get REKT by fees though Many thanks
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Are Fintech’s worth it? Over established banks.
Following the great rate that Plum offered on their cash isa I opened one and put a sizeable amount into them. A year ok I’m looking to move to a better rate and oh my what a faff it turns out that as Plum (and allegedly other FinTechs) don’t have the same establishment as high street banks - the process for transfers is…
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Anyone experience with Blevins Franks?
Hi there, as the title says, I am looking for people having used in the past or currently using Blevin Franks https://www.blevinsfranks.com/ Would be great if you could share your experiences, good or bad, how they compare to others and how their cost/service aligns. If you don't want to share in public, feel free to PM…
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HL treasury bills
Hi thinking of applying for large chunk of treasury bills do they work in same way as gilts as in any gains will not be subject to CGT ? As I am well over my PSA looking for ways to shelter money this tax year to avoid tax and doing a SA. Will this work ?
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Castle Trust Bank
Before applying to CTB, I have checked that most posters have no issues with CTB, I want to check this is still the case, before going further with them, as I have expeirenced the below: On 8 May, I did a Castle Trust Bank online application, part of the process was to get a verified code via email or text. As I did not…
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Foreign pages on SA - questions on foreign stock holdings
I am completing my self assessment for 24/25 and need to complete the foreign pages. I have some questions on 2 companies I own - BABA which is an ADR traded in the US and Brookfield (BN) which is traded in the US as a common stock. Both in a GIA account. 1) for BABA there is dividend paid out and an ADR fee taken from…
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My child is not ready to receive their Child Trust Fund (CTF) - What next?
Hi all, So my daughter received the free £250 Government trust fund cheque when she was born, and ever since then I have been adding to it with regular monthly payments and any cash she received from Chirstmas and birthdays. Now she is soon approaching 18 and I understand the she will now receive these funds either on her…
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West Brom BS Security
Should I be concerned by the apparent lack of online banking security on the West Brom BS website? To login, all you need is account number, date of birth and a 4 digit PIN.There is no password, memorable information or two factor authentication.
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Virgin Money Defined Access E-Saver 4.76%
I'm sure this will be because of my lack of knowledge / experience but .... Called into my local branch today to ask about the above account which has an option to pay interest monthly. The lady tells me that if I opt for the monthly interest then that will count as as withdrawal so after 3 months the rate would drop to…
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All in one Savings Platform
What is the best all in one Savings Platform with the most savings accounts available Is Flagstone ok Or do you suggest other alternatives
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S&P 500 vs World Fund, last 12 months
I have the following two funds in my S&S ISA and compared their performance over the last 12 months. GSPX iShares Core S&P 500 UCITS ETF GBP HedgedHMWO HSBC MSCI World UCITS ETF USD S&P 500 1 year performance is nearly double that of the world fund S&P 500 (+12.26%) and the World fund (+6.19%) Both dropped to similar…
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Trading 212 withdrawals
Can anyone share their experience re making withdrawals from Trading 212?
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New Cynergy Login Procedure
At long last they have replaced the digipass / authenticator app with a code sent to your mobile via SMS. Sign in with existing user id and password. You will need to accept two long streams of Ts&Cs by scrolling to the bottom of them and reset your password which now has to include a special character. No instruction on…
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Tembo Customer Service
I’m trying to transfer an ISA from Tembo and their customer service team seem to be non-existent…is it just me? Transfer was requested on 15th April, so I believe I’m beyond the 15 days transfer window.
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Advice for investing 140K please.
A relative has 140k to invest. He needs easy access to some so he’s thinking of putting 50k in premium bonds, 20k in a cash isa and holding 10k in a savings account. What are the best options for the remaining 60k please?
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Best Way to Save £50k for 18 Months
Hi Everyone, I am looking for the best way for my wife and I to save £50,000 for 18 months. I think the best and most tax efficient way would be to open 2no. Cash ISAs (around (5%) for £40k and add £10k to a high interest savings account. If there's a better way, I'd love to hear it! Many thanks in advance. Charlie.
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Tax on interest earned
If your full time employed, and earn over 1k (basic rate tax payer) interest on savings, am I right in thinking HMRC automatically take the interest owed out of your pay, by changing your tax code accordingly?
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Buying whole shares vs fractional
Hi I have a freetrade account and want to start purchasing shares in a s and s isa or gia. Ill probably buy about 100 worth a month and also see it as an emergency fund , i also have pensions for long term. This is more for fun instead of sports betting. Any recommendations on buying a share at a time in whole shares or…
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Trading 212 Transfer
After the full 15 working days, Trading 212 has finally prompted for my okay for my transfer to Monument. The problem is that the amount they quote for transfer is £33.97 less than my apparent balance (£33.97 appears as pending interest). Anyone know what happens the shortfall after the transfer?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
