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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Paying tax on interest over £100 on children's savings account
For the tax year 2024/25 my son (12) will have earned over £100 of interest from a HSBC savings account in his name. The capital in the account came from a Halifax Kids Saver account opened and operated by me in trust for my son since he was born so am I right in thinking that the source of funds in the HSBC account is…
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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…
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Taxation of savings interest and dividends with other income just below the higher rate threshold.
I know that in the simple case, a standard rate taxpayer will have a £1,000 PSA to be deducted from savings interest before calculating tax on the rest; and a higher rate taxpayer will have a PSA of £500. The problem I have is in trying to understand what happens, if the interest (before applying the PSA) would take the…
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AVC performing badly
I have been investing into a Prudential AVC since Nov 2016, this with a view to retiring at the age of 65 in March next year. My problem is, I with very little knowledge of gilts and bonds and didn't realise the Pru were investing my money into a product called S3 long term Gilt passive pension and S3 index linked…
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LGPS / AVC / Prudential - At a loss!!
Hi I thought it was about time I addressed this issue. I started paying additional contributions to an AVC with Prudential in 2016. I invested at a Medium Risk with: Prudential S3 Index-Linked Pen and Prudential S3 Long-Term Bond Pen. I was unsure I have to admit how to invest it and very little advice is given. I have…
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Buying a gilt for the first time - large buy/sell spread?
Hi all, I'm looking into buying my first gilt (via Halifax Sharedealing). Just a dummy run for the moment - I'm looking at TG53 which has YTM of approx 5.45% and another 27 years to run to maturity. As per Halifax (and the same/similar on HL), the sell-buy prices are 43.37 - 43.82. So my question is - this looks like a…
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Holding ETFs in a non isa account
ive read on here that holding etf,s in a non isa account can be complicated. I didnt realise ths. As having filled my isa allowance with etf,s i decided to buy more and have put about 12k in a non isa account (trading212).I have made some gains and going forward want to know what i should be doing as regards to declaring…
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Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
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IFA charges to combine pensions? One time fee preferred
I'd like to combine my FSAVC (over £120k) with an existing DC pension pot. I have other DB pensions in payment which cover normal expenditure so I'm planning on using the combined FSAVC and DC pension as a drawdown pot. I've done extensive forecasting/modelling and this is the best option for me taking account of…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Up to £100 worth of gift card for joining Aviva Save
https://www.aviva.co.uk/investments/savings-accounts/#offer
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Financial Guidance
The old fella and me are thinking of selling our house. We want to move nearer to his work, but don't want to buy in that area. He retires in 4 years, so we're thinking of selling the house, renting a small place until his retirement and then with the sale of house money and his retirement payout buying a new home…
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26 Years Old, Is my savings plan good?
Hi, I'm 26 and I'm currently studying with the ACCA to be an accountant. I've managed to save about £26,000 off my own back, my Grandad passed away in France early this year and then my dad a month later... so I guess I am to inherit €32,806.46 through my dad and I've also inherited £25,000 from him. I'm currently having…
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Moneda Capital Warning
There have been a few threads in the past about Moneda Capital that seem to have disappeared . The bank they claimed to be working with has confirmed that they have no contractual relationship with them but interestingly Moneda Capital has now amended their advertising. Although they are still targeting social media…
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Inheritance - £85k - help!
I am new here, and new to really caring about money..! I am going to inherit around £85k later this year and I am really struggling to decide what to do with it. I: - am 41, single, no kids - am newly self-employed - have no debt apart from my student loan (around £22k) - rent in London, so do not own a house - do not own…
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Another "offer" from Litani for my Sunlife shares
I'm not sure if its just me, but I am being inundated with so called offers for my Sunlife shares. The deal is so bad-about 40% less than their value. I realise that I can just throw these in the bin, but it almost seems like theft that someone will sign up to this. Its the fourth letter I've had now. I assume as there's…
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Nat West & RBS Regular Savers
The balance of my RBS reg saver has reached £5K. Interest isn't paid on balances over £5K. Does anyone know if I can stop the monthly payments and just sit on the balance earning 5.5% ?
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NS&I can't login!
Hi All, I've been moving more money into NS&I recently and am currently in the situation where I can't login! I know their website can be a bit 'clunky' but at the moment for me there's no 'login' fields for me to use on their login page! Currently (trying) to talk to them via Twitter. They have a pinned message from 2024…
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NS&I How long do transfers take nowadays?
NS&I have closed my Guaranteed Growth Bond, and I gave them instructions to transfer to my current account when it matured, that was just over a few week ago, does anyone know how long they take to transfer nowadays? I'm assuming it earns no interest whilst in limbo, something to consider when swapping back and forth…
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Most recent: Cash ISAs: The Best Currently Available List by flobbalobbalob
15 September at 11:24PM
