-
Split of house sale proceeds
Hi all, My partner and I (unmarried) have recently sold a BTL property in the hope of using the proceeds to buy a home for us down the line. I am in the top tax bracket, whereas she is in the lowest (below her personal allowance). Whilst we are looking for a house we would like to put the cash in easy access savings. We…
-
IMUTUAL shares
I have found a share cert (100 x £00001). Is it worth anything? Richard Lawrence YENDALL personal appointments - Find and update company information - GOV.UK
-
NSI Index linked bond value not changing for 5 months??
Hi all, just curious really. I think I understand the way these bonds work, (or at least IO thought I did??), and each month I go on the NSI website and check the current values. I have a few of these bonds, and pretty much every month the values change, sometimes up, sometimes down, and occasionally the value does not…
-
Transfering delisted shares from Halifax Sharebuilder
I have some shares with Woodside Energy Group held in an S&S ISA with Halifax. They have delisted on the LSE, and moved to ASX and I cannot sell them via the platform. How can I get around this and organise to sell them please?
-
Reporting CGT to HMRC requires when first bought the shares, but can't find it
This is a bit my fault as I bought some shares some 15+ years ago with a broker that subsequently taken over by another. I thought they pass on al the trade info, but they didn't. They send the value cost and number of shares, but not the date of when shares were bought…! Now I used to keep all my old trading in a separate…
-
Next £250 payment to Skipton Regular Saver on 1st September rejected twice.
All seemed well until the final confirmation screen where I’m told it exceeds the amount allowed! £250 is the amount allowed as a September transfer payment and the future dated payment is a transfer from one Skipton account to the other. Think I’m right that although my account was opened on 18th August and funded I’m…
-
Should you split large ETF purchases?
Are there reasons to split large purchases of ETFs into 2+ smaller transactions, and if so to keep them below about what size? This is about AGBP which is large and liquid.
-
Trading 212 ; Trading!
Does anyone experience similar to me? It is baffling and infuriating in equal measure. It seems impossible sometimes to get trades matched. Sometimes I use a limit order. Which sets a maximum price. For example, buy 1000 at 1, when the security is trading at 1.01. It will trade at 0.99, yet my limit order is still pending.…
-
SPRING APP - Unable to make deposits through App
Has anyone else experienced this? Rest of App working fine but when I try and make a deposit through the App from my bank says 'having a check up'. Is Open Banking down this morning? Thanks
-
Oaknorth
Hi Im new here so forgive me if I'm going about this the wrong way. I've been trying to open a joint fixed term account with Oaknorth for 2 days but every time I get to "enter email" and press next I get an error message "unexpected error has occurred." Ive spoken to Oaknorth by phone and they say theres nothing wrong with…
-
Investing in current times
I opened an S&S ISA about 18 months ago and have invested in one thing since it started in the last month it’s gone down, as I’m sure many people are experiencing. im fairly new to this so not sure if i should take the advice of many social media posts and continue with monthly investments or wait for things to change - on…
-
*partial* S&S ISA transfer from SWSD (iWeb) to Freetrade?
I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…
-
Gia investing
Good Morning. I have been investing a while now but only ever invested into my stocks isa. Soon im going to have a large lump sum to invest. Long story short after maxing my isa contributions some to my SIPP my next route is a GIA. I have never used one of these although I know they are the same but Its now the Tax rapper…
-
QUESTION - Barclays Ordinary Shares 25p each
I need a very simple explanation, which I can't find out via Google. I struggle with numbers etc, as I have Dyscalculia. So I really need an idiot proof reply. I have 5 shares called Barclays Ordinary Shares of 25p each. I've had them for a years, and assumed they are worth 25p. I've just noticed that it says 393.08p on…
-
Seeking Sanity Check: 74yo Mum Widowed, £18k Savings + First Credit Card
Hi everyone, My Dad passed away a few weeks ago and I’m helping my 74-year-old Mum sort out her finances. I’ve done some research based on the latest MSE guides, but I’d love a sanity check from the community to make sure I’m not missing a trick. Her Situation: Funds: £18k lump sum, currently sitting in Barclays current…
-
Investing advice
hi I need some advice on where to invest my capital. I'm 55. I've been retired for three years. I now get about £800 a month from a LGPS pension which more than covers my bills and day-to-day expenses. I currently have about 380K in capital that is split between investco BIPS, VLS80 and short-term money market. I also have…
-
global funds
ive posted here before and have been reading a lot , gaining confidence in investing after a late start at 50. I have most of my money in HSBC global balanced fund and was happy with that but didnt realise how concentrated (seemingly as most global trackers are) in tech in the US. Fine if youve already seen the upside but…
-
Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
-
Impax tender April
Despite making a good start to the year in recovering a bit of its downward trend, partly maybe because of the first tender offer , Impax has lost 10% in the last month, 1.5% in the last week. With the war appearing to overall be escalating despite Trumps assurances of near deals etc , how wise or not do folk think is it…
-
Tax efficient way to save for child's education?
Hello everyone, I'm hoping to get a bit of advice. I'm currently an additional rate taxpayer as I work as a contractor which means a relatively high day rate but no pension/annual leave etc (I put a good % into a private pension to reduce tax). I have a 3 year old daughter who is currently at the pre-school (nursery…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
22K discussions
169.1K comments
Most recent: How to deal with an ISA trans… by masonic
Today at 2:50PM
