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2 signature account
I’m looking for a 2 signature account to deposit money for a few months up to one year. Can anyone please recommend a company who has an account for 2 people to sign? I’ve asked all high street bank and no one offer this service. Thanks
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Santander voucher
Hello I used the link in here to set up a new Santander and I haven’t received an email from voucher sent and Santander say it’s the 3rd party not then so can anyone help?
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FSCS £85k limit rising
Read somewhere over the weekend that from 1st December the FSCS £85k protection is going up to £110k.
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Learning more about investing; can anyone recommend a good book?
Hello,I've a SIPP and I'm using it to save for retirement, but I frequently feel out of my depth. I was wondering if anyone can recommend a relatively up date book on investing that isn't just an advert, or overly biased towards whatever the fashion is of the day. I do have an FA for my mortgage, but I want to actually…
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Merged: How to choose the right global ETF for you?
This discussion has been merged.
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Cahoot SunnySaver
many 5% £3k max of these accounts can I have. T&Cs say 1 sole + 1 joint. I have just opened my 2nd sole account...............???????????
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Investing in Kilts
"The Scottish government is "on track" to issue its first ever bonds in the next financial year, according to the first minister." https://www.bbc.co.uk/news/articles/cj97dw17k3do There's been quite a bit of talk on these boards recently about investing in gilts (and guilts) as a defensive investment option, so thought…
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Delay in ISA transfer money appearing
I recently transferred a stocks and shares ISA to a cash ISA. The stocks and shares ISA provider wrote to me on 13/11/2025 to say my instruction to transfer the ISA was complete and a payment (of the cash concerned) had been sent to the new provider.However, the cash has still not appeared in my ISA account with the new…
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FSCS Deposit Protection Limit - Is It Increasing from £85k on Dec 1st ?
Back in Mar iirc the PRA announced a plan to seek permission to increase FSCS limit from £85k to £110k - and some media muddied the water by iirc using a lowerr £100K figure. Has there been any official treasury or govt statement that this will be going ahead ?
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How to get income from funds from year 6 and not before?
I have 5 years spending money and I am looking to move the rest of my savings into S&S.If I do not need access to the funds until year 6, would choosing an accumulative fund and switching it to an income fund work? or should they be income funds from the start and keep reinvesting the income until I need the money in Year…
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Recommendations where to invest some of my inheritance
Hi all. I have recently inherited a sum of money after my Mum passed away. I really don't want to leave it sitting in a standard bank account where it will not do anything so I wondered whether anyone had any advice on where to place the money, or parts of it, to gain the best interest or investment return? Thanks in…
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Vanquis savings matured today but only received the interest!
Starting to worry a bit but perhaps I am just being impatient. Husband's Vanquis fixed rate savings account matured today. The interest appeared in our current account at about 9am this morning but the deposit (£8K) didn't, they just paid the interest. He tried logging into his account but on the main screen under Account…
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Maximum to hold in a single fund?
I tend to be a bit nervous about having 'too much' in one fund and would prefer to split an investment between similar funds to spread the (what I perceive to be) risk over different fund providers. Is there a rule of thumb for this ie a maximum that it's recommended to hold in one fund? Please be kind - I'm super cautious…
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Vanguard Equity Income or Royal London Sterling Extra Yield Bond?
I'm setting up an income portfolio and was about to buy Vanguard Equity Income, then remembered that RL Sterling Extra Yield Bond has historically performed similarly. They are of course very differently invested but follow similar trajectories, though with the bond fund less volatile. Which would you invest in, and why?
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Small Investments into Shares/ETFs
Hello there, I’m considering starting to invest in shares, specifically ETFs. Since I work for an investment bank, I’m limited to using certain brokers. After reviewing the proposed list, I chose Interactive Brokers as they offer the lowest fees. I opened two accounts with them: a general account and an ISA. For tax…
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Panic selling and buying
Not really a savings question but how to handle Panic selling / buying .. I know the best option is to log in a couple of times of year but really hard when my phone keeps throwing my news articles and share price due to my past searches . Last week after reading all the negative press about AI seeing decided to lock in…
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Trading 212 Cash ISA - Borderline discriminatory???
Hi All, First posting newbie here. Just wanted to convey my disappointment with the Trading 212 service. After helping my elderly mum with her accounts after she has been in hospital for over a month with a life altering condition I wanted to help her and make her money work for her by transferring her current ISA to the…
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Iweb FX charges vs Trading 212
After being hit with a big Iweb FX Charge for selling some USA stocks was wondering if it would be possible to transfer them to another platform like Trading 212 then selling there to get less of a charge ?
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Government Bonds - Gilts
I understand that investments and possible gains on government bonds-gilts are CGT free. Does this apply to; 1 - Buy a dated 2035 bond at say 80 per unit in 2005 - matures expiry in 2035 paying 100 per unit - profit 20 per unit CGT free. 2 - Buy a dated 2035 bond at say 80 per unit in 2005 - sell at 110 per unit in 2015 -…
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Saving/investing income - in a lucky position with no idea where to start
Hi all. I'm in the very fortunate position of being mortgage
free in my 30s. I own a house that myself and my partner live in (unmarried at
the moment, this is likely to change at some point when we get ourselves
organised). We earn a decent amount a year (approx £100k pre-tax) and now that
the mortgage is paid off we…
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