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Best place to park 6‑figure remortgage funds for <1 year while waiting on planning?
Hi all, I’ve just completed a re-mortgage on a 5‑year fix, which includes an extra 6‑figure amount to fund an extension. We’re still going through planning, so the building work won’t start for a while. We hope in the next 3 months we will be near the end and can appoint a builder. In hindsight I wish I had just gone with…
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Capital Gains Tax on Shares
Hi All, I earn approximately 25k Gross per year in my day job. I have sold shares in this tax year making a profit of approximately £50k. I know I have the 3k allowance. My question is would the profit on the 47k be taxed at 18% (basic rate income tax) or would it be added to my salary of £25k and mean it would be taxed at…
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Premium bonds winnings and odd pattern
Hello. I'm guessing that this is an age-old topic, but here we go... My wife and I both have had premium bonds for quite some time, and I have records of all of our purchases of bonds and wins from April 2022. There may be a very minor discrepancy in our holdings over time, but we have basically tracked each other with our…
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My investment return - which one is correct?
I use Interactive Brokers for buying shares in US companies, but I've come across an issue when calculating my end-of-year wealth which I compile manually on a spreadsheet. Interactive Brokers shows a total return from my shares standing at 51,387 in Pounds, but because IB shows each individual US stock in Dollars, I've…
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Putting High Amount Of Money Into Different Accounts
We are due a high 6 figure windfall in the next few months. Is it best to have different bank accounts and to put certain amounts into these accounts, I know keeping one with bank ( we two current accounts for my wife and I , savings account, ISA account with Santander) isn't a good idea incase the bank goes bust. Which…
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Santander £100,000 prize draw - closes 30/11/2025
Hot on the heels on the Cahoot prize draw announced yesterday, now a draw for a single £100k prize from Santander. One lucky winner will have their turkey paid for this year. Full details:…
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Is it worth changing portfolio before in-specie transfer
I'm considering moving my SIPP from HL to ii in the new year. I hold several HL specifc funds such as the HL Select Global Growth Shares Fund which obviously won't transfer directly over to ii. Is there an advantage to me selling the non-transferrable funds and purchasing something which is transferrable (a vanguard fund…
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New year portfolio tidy-up
My etf portfolio has got pretty unbalanced as I've not been keeping an eye on it this year. I will need to rebalance soon. I am also thinking of taking the opprtunity to potentially do a bit of tidying up, particularly the bond part. I currently hold these bond etfs with these corresponding target allocations (which have…
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where should I put the proceeds from the sale ?
Hello Need some advice and would appreciate any help at this time Hi all, I’ve sold my Home and moving back into my mothers due to my ill health and recovering from my cancer surgery where should I put the proceeds from the sale ? Roughly £160,000 (Likely to be a year ?). Many thanks
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Interactive Brokers
Hi, has anyone experience of using "Interactive Brokers" (interactivebrokers.co.uk) for trading / investing in the UK. I'm looking at US stocks and wondering about conversion costs and trading fees etc.. Completely new to this, so learning at the moment, thanks
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Skipton app up the pokey!?
It worked early this morning then went rogue on me. Has happened before. Probably no one on duty today to fix problems or it’s me or my up to date iOS. So I logged in to their internet banking to transact and of course it demands a code generated from their app! So I uninstall their app, reinstall their app and at the end…
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Favourite fund for beginner
What's everyone's favourite fund? Is there a more popular one? Thinking for somebody wanting to start out in investing and looking to invest in a diversified fund
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NSandI's 2-factor authentication does not work
Four fruitless hours today trying to log in to NSandI. Their 2-factor authentication system asks you to press the star key (*) to listen to the one time passcode, but doesn't recognise the tone when you do. "Please press the star key to listen to your OTP." - presses star key * - silence "Please press the star key to…
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Has saving affected your mental health.
First time on the Savings thread but i thought it may be the best place to pose this question. I have thought long and hard about if I should post this or not given the cost of living crisis and how it is affecting huge numbers of people but here goes. I am currently in a very fortunate financial position but it hasn't…
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Natwest Digital Regular Saver - interest rate going down
Email from Natwest stating the 6.17% rate (upto £5000) is going down to 5.50% from the 30th May. The rate above £5000 is reducing from 1.25% to 1.15%.
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Royal Mint Login Issues
My second attempt to post this questio as the original seems to be mysteriously locked?? Apologies. Just wondering if anybody else is having problems logging in to the Royal Mint website today? The login/account icon (for want of a better word) has disappeared from my home screen and if I navigate to the login page…
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Trading 212 can't change bank details
I've made a little bit of money through Trading212 as recommended here, but my bank details need to be changed so I can withdraw. However, there doesn't seem to be any option in the app to do this. My original card is verified and I can view the details but can't delete or change anything. Can anyone help?
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Dividend yearly statement (Section 104 CGT calculations) - Equalisation?
Hi, I am trying to pull together details for my Section 104 to allow me to see how much income from dividends I can off set against my capital gains when selling funds from my GIA accounts. With CGT allowance being so low now at £3,000, this now seems to really matter as I start to move my assets from GIA to ISA. So I am…
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1p savings challenge
Started the 1p savings challenge today in two accounts but wondered if anyone knew how much one would save in a year by doubling up each day , ie. 1p,2p,4p,8p and so on.
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Best place for a child saving account
I have read the MSE article, but all the accounts are flawed. I want an account which my child can only touch when they are 18 without eating into the isa allowance while also allowing me to touch this money for big purchases (eg a car). Nationwide flex cannot be an option as he already has an account for pocket money. All…
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