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Money stuck in Prosper app - can anyone help ?
I've just had a 90 day investment mature which is in Prosper. In the app it now says I have the matured money as "Savings" but part way through the 90 days of my investment, Prosper introduced a new system of what they call a "Wallet" which is basically a bank account and sort-code for each user. You can only withdraw…
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ETF's and Capital Gains/Income tax to non UK countries question.
Hello, I am a UK resident who is new to investing, and also new to paying income tax/Capital Gains tax. I've purchased into a Vanguard S&P 500 fund in a Stocks and Shares ISA and I'm considering investing in other world funds. Does anyone know for certain that holding stocks/shares in these funds will mean that countries…
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What to do with £500 - invest, save, overpay mortgage or something else?
Hello. I'm currently overpaying my mortgage by £500 per month. Mortgage itself is low interest - 1.66% fixed for 10 years with 7 years remaining (a rare deal from 2022). I have 64% equity and mortgage balance is about £170k. I have maxed out my ISA allowance for the current year, all of which I put into my Stocks & Shares…
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Chase boosted saver
Okay so I know I'm wrong before I write this but I can't understand why? I have a chase boosted saver at 4.55% aer. The boost is for six months then drops by 1.5%. If the headline rate of 4.55% is only for six months how can the annual equivalent rate be the same? six months of 4.55 followed by six months of 3.05 is not an…
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Natwest blocking payment to CHIP ISA
anyone else had this? tried to pay ~£9k into a new Chip ISA and it was immediately blocked by Natwest anti-fraud who apparantly don't like ClearBank very much. Now all payments to Chip being blocked. Assuming I can get the bank to actually give me access to my money again does anyone now if there's a limit to avoid this…
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Flexi ISA
I am thinking of opening a new Flexi ISA with Tembo and would like to know others' experience transferring the funds out to S&S ISA, please? is it a straight forward, like a bank transfer or had to complete paper form and how long does the transfer take?
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Sidekick easy access savings account - issues transferring money in to new account
I just tried to move some money from my Santander account to my new Sidekick easy access savings account. My bank detected this as potential fraud and stopped the transfer, and blocked my account! I called them and the guy did some quick searches on Sidekick (he'd never heard of it) and quoted a few trust pilot reviews…
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FTSE RAFI Developed 1000 Index
I'm interested in peoples' views on the Russell Developed 1000 Index. To my eyes, it is a much more value oriented global large-cap value index, that removes some of the higher risk large cap holdings (i.e. Nvidia is 0.14%[3.67%] Tesla is 0.08%[1.12%]). The downside is that it doesn't have so much of the growth stocks that…
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Basic Personal savings allowance queries.
Hi all, Apologies if these are answered elsewhere, I did a quick search for PSA topics, but everyone else's queries seem more complex/specific than mine. By all means point in the right direction if these have been answered before. 1. Is the only reason not to go over your PSA because it might push you into a higher tax…
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Struggling to keep up with top ISA rates
Hello, As the BOE keeps moving the goalposts downwards making it harder to score the top rate of interest (no pun intended). I have now opened and moved accounts with Trading 212, Chip, Atom and Moneybox, so i think i would count and a existing customer and not be eligible for the boost. Idk why they keep doing these boost…
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Imutual
Not sure if this is the right forum so can the moderators move it if necessary. A few years ago i used imutual.co.uk for cashback and i also got something like 10,000 plus shares. i havent logged on to the website for a couple of years at least. The website doesnt want to load anymore. Has the company disappeared? Not…
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Cahoot Question
I opened a Simple Saver account today. I put a few thousand into it and then tried to withdraw £1 as a check. It wouldn’t do it, and gave me an odd error message: “Order not allowed due to notices in the account attention!” Can anyone tell me what that means? I really hope they haven’t done something like freeze the…
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Physical savings
Just wondered whether anyone keeps any physical objects as non-tracked savings? For example cash, gold coins, electricals?
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Raisen
Opened an instant access account via raisen, just tried to withdraw first amount and it says 2 days not really instant access then? I'm really not sure about this when I called them they said paragon wouldn't know who I was is it safe? What happens if something goes wrong with them I've put all my savings in there
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Bare trust for granddaughter for school fees
My mother (82) would like to put money in a bare trust savings account for my daughter's school fees for the next three years (from September - age 13-16) - about £45k (£15k pa) - I cannot be the sole trustee as I am on UC but another family member could be a trustee too - can anyone give any advice as to if this is…
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Charter rate drops?
I wasn't sure where to post this as it seems to span a range of popular products. Casually looking on Charter's web pages this morning, I could only see Notice Accounts on offer. No Easy Access, no Fixed Rate and no ISA's. Could this indicate a flurry of rate drops? Incidentally, when I logged on, I could see just one EA,…
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Listed vs unlisted stocks for probate
I think this forum will be better for this question given the context. I am currently filling out the IHT400 probate form for my deceased mum, it asks if she has any listed stocks and shares or unlisted stocks and shares and control holdings. I don't know what these mean and google is not helping. She had a S&S ISA, a…
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Section 899
What do you think will be the impact of Section 899 (of Trump's "Big, beautiful bill") which just passed US House vote ? https://www.gtlaw.com/en/insights/2025/5/section-899-proposed-legislation-would-increase-us-tax-rates-on-many-foreign-individuals-companies-and-governments Perplexity says…
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Risk level for Vanguard funds Vs ETFs
I've been investing in mutual funds for a few years and have just started looking at ETFs. There seems to be ETFs on vanguard that roughly match a fund equivalent, but I've noticed that the ETF is always a higher risk level by one number. For example VAGS global aggregate bond ETF compared to global bond index fund. The…
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Do Accumulation and Income ETFs pay the same tax in a GIA with dividends reinvested/withdrawn?
After all the recent tax changes (CGT, dividends, etc.), I am trying to understand if Acc and Inc pay the same tax in a GIA after a number of years with dividends reinvested. Currently (for my Vanguard acc fund in GB) I get a yearly CTC, double check no ERI, then copy the dividend figures for my self assessment. When I…
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