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Earnings and Starter Rate
Is the amount calculated before or after stoppages from earnings? For example, earnings of £15500 per year or take home pay £13800? Maxed out on premium bonds and ISA, so could do with knowing how much interest I can earn in regular savings accounts before I pay tax on interest. Thanks for any help.
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Plum taking more than agreed Direct Debit
reconsiling my bank statements I noticed that Plum had taken £20 DD last week instead of their usual £10. On asking why I was told there was a Technical issue ( Reply from them shown below) - I know It was only £10 and its made no diffrence to me as the £10 is now earning interest in an account that we use to save money…
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Help needed with Share Transfer - Stamp Duty...
I am the executor for my late Mum and Dad's estate. I am in the midst of trying to sort out my late father's shares. I have gone through probate, and have informed the Share Registrars of my father's passing. I would now like to transfer the shares into my name. I am struggling to understand if I have to pay stamp duty,…
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Venture Capital Trusts
I have invested in REITS and ETFS but I am looking into VCT for their tax efficiency. I am aware that they are higher risks but wondered if anyone has invested in one of these funds? There are quite a few to choose from on Hargreaves Lansdowne. I also read that you need to hold the fund for at least 5 years in order to…
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Rolls Royce Share Price
Hello you very wonderful and amazing individuals that make up this forum. I sincerely hope you are doing well. I note recently that Rolls Royce share price has increased rapidly and the Earnings Guidance has increased. Can i please kindly ask has any other Fundamentals changed within the company for us to see this rapid…
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Opening a savings account for my 3 grandchildren
Hi, Im looking advice on how r where to go to open savings accounts for my 3 grandchildren. I assume they have to be opened in each child's name, ages are 7,5 and a baby. We're in Northern Ireland, the kids are in England. Do I have to get permission from my son and his wife to open these accounts and do statements have to…
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Replacement for 1 Year Savings Bonds if Interest Rates start to fall.
I was wondering if anyone has a view on iShares Core GBP Corporate Bond UCITS ETF to use instead of One year Savings Bonds if/as interest rates fall - or is there something better ? Robert
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Should I move my 9 year old daughters Cash JISA
I have been debating moving my daughter’s Cash junior isa to a stocks and shares ISA. She will be 10 in April and I don’t know if I have left it too long to see any real return. I want to maximise her return any advise would be welcomed.
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Savings advice for 18 year olds
Please help my mind is boggled. what would you suggest is best for someone who’s just turned 18 so far they’ve got 5k in premium bonds but not having much luck so looking to move it somewhere?
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?what to do with lump sum
Hi. Looking for advice. Wage- £42k a year Mortgage-£64k left 2.5apr till next year. House worth about £230k I’m single (dating someone not looking to move for a year or so) 35, recieved some inheritance, 120k. I don’t know what to do with it. I’ll be buying a car outright and getting of my lease car. So that’s 100k left.…
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How do I work out CGT loss following the sale of shares
Bank in 2002 and 2004 I bought shares via an employee share save scheme at 'x' pounds per month in both cases over a three year period, so I know how much I originally paid for them. In truth I forgot about these shares for a while and thought thankfully I had sold all my Nat West shares before the value plummeted. Over…
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Old TSB shares
Has anyone had any success locating old TSB shares. For months now I have tried TSB bank. Lloyds Bank. Equiniti, the Registrar,and even the Funancial Ombudsman -no luck with any attempts to trace?
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2 yr fixed bond. Best rate for £85k investment
Hi all, I’m a newbie here. Looking to re-invest £85k (my current bank is Lloyds and the rate is dreadful) Money is sat in a savings account doing nothing and looking for the best rate possible and obviously the safest! Thanks in advance.
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Profits/return on VWRP via Trading 212
If you maxxed out your annual SIPP, ISA, Premium Bonds, Got rainy day fund and you just open a personal account on Trading212 and buy some shares in VWRP, do I have to report these on my annual self asseseement and pay tax on my annual return, or is it all done at source via my account on Trading212? thanks
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I know they say don’t try to time the market but…..
is now possibly a really bad time to start investing and do a lump sum investment? All I keep hearing are how overvalued US stocks are and a correction is coming. It’s making me really nervous about doing a lump sum at a really bad time. My time horizon is about 10 years and I am planning to go mainly all in on a global…
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Best short/medium term home for £200k as higher rate taxpayer
I’m in the lucky position to turn 55 in a few weeks and be able to take my pension and start to enjoy the fruits of a long corporate career. Given I’ve taken an enjoyable p/t role then with that + £30k pa pension I’ll be on the cusp of higher rate tax before any interest payments. I’ve a £200k TFLS due that I’d like to put…
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Fixed rate savings vs gilts
Good evening . I am a retired person and my situation is that I have £85000 saved in a fixed rate bond and a similar amount in a cash ISA (also fixed rate). My wife also mirrors those savings with her own. I also have 50k invested in premium bonds which since I acquired them in April have produced rather disappointing…
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Lost shares
My late Father held some shares and I have the old paper certificates. The shares are held and registered in the US. The number of shares quoted by Shareowner Services US don't tally with the number on the certificates - there have been multiple mergers etc. in the years since he bought the shares and I wonder if anyone…
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Natwest Digital Regular Saver matured - keep or open new?
Hi all, I've a Natwest Digital Regular saver that's been open for 12.5 months, not sure if it can continue to be earning the (currently) 5.5% interest rate, or if it closes/ downgrades to another form of account? Can I open another one? I just asked cora, and got nowhere so I called natwest and was very patient, however…
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Share ISA
I recently bought some shares from a works scheme. Am I right in thinking that if I open a share ISA and transfer the shares into it within 30 days of purchase, that they will be capital gains tax exempt up to a limit of £20,000? If this is correct, is there a minimum amount of time they have to be in the account before I…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: (New) CMC Invest - Flexible Cash ISA - 4.85% (allows transfers) by Ch1ll1Phlakes
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