-
Savings accounts for RTM sinking fund
I am a director of a Right To Manage leasehold company for a block of 20 residential flats running for well over 10 years now. Over those years we have built up our sinking fund and now want to invest some of that money...any advice where and how we can invest it? It seems it has to be invested in a linked trust account.
-
Regular savers or ISA
I'm getting fed up of exceeding my savings interest allowance. I earned £1432 in interest this last year due to instant savings account (for misc. spending e.g. holidays, un planned large items spending.) and 8 regular savings accounts. OK it's just £86 of interest but it's annoying having to pay that in arrears. So, just…
-
NSI Index-linked Savings Certificates
Hi, I have now option to renew my NSI index linked savings which is maturing in less than a months time. I have an option to renew for 2 years 3 years or 5 years. To continue with a 3 year option I don't have to do anything. I won't need the money for 5 years but not sure which option to choose. Any advice will be greatly…
-
Aldermore bank to be sold
Aldermore are often mentioned on here as a savings provider ( and I have some money with them),but their owners are selling them due to problems in the motor finance area. Any savings are covered by FSCS £120K, but I was wondering what the implications might be for the future. If they are lending/financing less activities,…
-
Spreading investments between platforms
I have what is to me a significant proportion of investments on a single platform all invested in ETF's to take advantage of capped platform fees (excluding the JISA which is in an OEIC fund). SIPP is 100% equities (same for work pension and LISA) and ISA is around 75/25 equities/bonds. I held SGLN for a year and a bit…
-
Trading212 - New Customer Deals
Hello! Based on the deals listed in the MSE newsletter I'm considering getting a Trading212 account. However, I'm not sure if I can make use of each deal. One option is to open an Easy Access ISA that provides a bonus % rate for new customers. The other deal is an Investment ISA account that provides £50 bonus into a…
-
Is anyone else having trouble transferring money to Vanguard?
I am trying to transfer money to Vanguard with my Debit card (their preferred method, always worked okay previously). With Chrome it fails straightaway, with Edge it hangs forever. I tried asking my my bank and they saw nothing as I tried the transaction so it does seem the transaction is at Vanguard's end. The advice from…
-
Moving Shares from GIA to S&S ISA
Hi all – I have shares in an old employer, which were bought on a monthly basis through an Employee share scheme. Often my purchase was fractional share amounts. I was in the scheme for a good number of years and as part of the scheme received “Matching Shares” which have all had their minimum holding time. These shares…
-
Nationwide fair share classed as interest
I was just preparing to do my tax return and gathering up info on interest paid and noticed that nationwide class their fairer shares payments as interest in the flex account. Was i the only one not to know this?
-
Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
-
Open a savings account with PoA
Mother in law has gone into a care home so she needs to sell her house to pay the fees. She currently has funds to keep her funded for 12 months, everything is in Lloyds Bank - club Lloyds current account, 'high interest' account paying circa 1.5%, and a Cash ISA If/When the house sells, is there a better place to put the…
-
I see little point of having REITS if I already invest in global index
Rookie investor here so bear with me. When it comes to investing I prefer to keep things simple and passive. What chance have I got of beating the market if even the odds are against the "professionals" beating the market? For my equities I investing in the Vanguard FTSE Global All Cap. Equities make up the majority of my…
-
Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
-
First Direct Regular Saver
Can anyone tell me how long it takes to transfer the first payment into the First Direct Regular Saver? I have one about to mature and vaguely recall it took five working days from the date I applied for the account until I could transfer my first payment (or, at least, until the first payment updated in the account.) I…
-
17 year oil’s savings account
I set up a child’s account in their name with Halifax. When she turned 16 it was moved to regular savings account. Will it be taxed? I can still see it on my online backing, as I can see their younger sibling’s child account. Halifax should know her age. I’d hate for her to lose money if I could have avoided it.
-
trading 212 withdrawel under review.
doing some transfers out of my trade212 gia so i can fund this years isa. a couple of withdrawels under acouple of thousand each show as pending. But a withdrawel for about £12k is showing as under review. Should i be concerned about this? i understand it can take 3 days to arrive in my bank account.
-
Difficulties transferring Tembo Easy Access Cash ISA to a new Cash ISA provider
Tembo do not provide customers with a Sort Code or Account Number. How can I transfer a Tembo Cash ISA I opened in the 2024/25 tax year to a new 5 year fixed Cash ISA with a different provider without losing its tax free status please? This is what Tembo say about Sort Code and Account Numbers:…
-
Tax on savings Interest
Can anyone please clarify the tax on savings. What I read is not clear. Scenario: I am retired but not a pensioner. I have no income except from savings interest accounts. If those savings earn say £10,000 a year in interest Is my personal allowace used against that? Or is that ignored? Am I only alble to use the £5000…
-
Help me decide where to put my savings??
hi all I have recently sold a property and now have approximately 170k to invest. I am in my mid 40s, and the money in want to invest I won’t need till my 60s now. I don’t mind risk, so looking for advice on where to place my investments, this is what I have currently done. 50k - placed in the vanguard all world caps fund…
-
Transfer into ii, etc
My platform is with ii, and I would like to know the 'correct' order for the following four tasks to ensure that one does not hold up the others. (I am not transferring any investment funds into ii, but I am selling part of my current S&S ISA and buying a different S&S ISA) TASKS 1.Transfer cash from a UK bank account into…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
165.5K comments
Most recent: Santander Fixed ISA eVoucher offer by efunc
14 April at 10:19PM
