-
Student loan
I have £3,355 left on my Plan 1 loan and £12,263 left on my Plan 2 loan. The government website claims both loans are at an interest rate of 3.2%, although this seems strange to me as it also states that interest for Plan 2 loans is "3.2%, plus up to 3%" for my pay band (however it does not state what this 'plus up to 3%'…
-
FTSE100 best single year return since 2009.
21.5% return not including dividends, fuelled mostly by defence, banks and mining companies. I honestly didn't think I'd ever see the FTSE100 perform this well ever again, needless to say this is obviously an outlier year, a one off fluke, but perhaps the FTSE100 might regain some lost ground over the coming years I dunno.
-
6mth Principality Regular Saver, maturity process tips please
HiI have my first 6mth Principality RS account maturing later this month and not sure of the best way to proceed going forward.(I have searched numerous threads first, apart from the RS discussion board which is too huge to scroll through and hasn't come up with suitable answers in my search).I have now got the option…
-
Original Book Cost of SIP Shares After Redundancy
I was in a 'share match' scheme with my company for 20 years before being made redundant on 30/11/25. I was designated a 'good leaver' and all the more recent taxable and locked shares were opened to me as tax free, along with any normal tax free shares sitting in the plan. I decided to transfer all of these shares from…
-
Santander savings and investment
Hi, I'v been talking to a Santander financial advisor, we are looking at investing over a seven year period with moderate risk. However I'm a bit concerned about the fees involved. If we go ahead it will be £2,000 for putting everything in place then £450 every six months over the course of the investments, which seems a…
-
How to establish share cost for CGT purposes?
This may appear complex, hence the request for guidance. I acquired some shares in 1999 as part of an acquisition of
part of a company I held shares in (The value of my original holding was
obviously devalued at the time). I am now looking to sell the acquired shares, however, I’m
unsure as to what share price can now be…
-
JN Bank re-branding to 'thisbank'.
As a customer with a few accounts I got this email from JN Bank.
-
Moving away from US Equities
Just curious to what extent you have tilted away from US equities if like me you are concerned with high US valuations. I have recently gone from 60% US to 28% US. I appreciate this will be seen as an extreme reaction by many. The remaining 72% is split between UK, rest of Europe, Japan, Asia Pacific excluding Japan and…
-
Best savings accounts for pots
I currently have a Zopa account because I have around 10 different pots for different things and it helps me to keep track of my savings. Their interest rate has massively dropped lately when compared to the Chase savings for new current account customers but I can't seem to set up pots with a Chase savings account. Is…
-
Ulster Bank easy access Saver - 4.5% interest, but is it lost forever if you go under £5k?
Hi there. I recently opened an Ulster Bank regular saver. It offers interest of 4.5% so long as the balance is over £5k. However, I’m not totally clear what happens if the balance drops under £5k. The guidance is not clear to me and when I spoke to someone at Ulster via the app they could not answer the question either!…
-
Loss of interest on fixed rate saver
I transferred cash into a 2 year deal with Nat west on 22 10 24 and on 29th Oct 26 they messaged to say they had transferred it into a new 2 year deal without any advance notification although I knew it was soon to mature. I wanted to put the savings into an ISA so transferred the money out - I suffered the loss of 3…
-
Zopa Regular Saver Maturing
I was fortunate enough to grab the (fixed) Zopa Regular Saver last year at 7.50% It' set to mature in early Feb. Now, I see that Zopa are still currently advertising online a (variable) regular saver at 7.10% so I thought it would be just a case picking up another reg saver with them after maturity. However. I could see no…
-
What to do?
I am likely to achieve an exit from a business in the next 12 months and the amount I receive after tax will be c£800K - I'm mid 30s, have a mortgage of £450K with very few debts, some modest savings and £125K in a SIPP. Can anyone help on the best way to allocate the money? I was thinking of paying the mortgage off…
-
Hanley Economic Building Society
Hanley Economic Building Society are updating their App.Suspect some with older devices might be unable to access mobile banking. "Great news! We’re releasing a significant update to the Hanley Economic mobile app on Wednesday 19th March. This update will enhance your experience while keeping all the features you know and…
-
Photo id for ISA mandatory?
Having an argument with Nat West and they've made the following statement: "For certain regulated products, including ISAs, a valid photo ID is mandatory under UK financial regulations and anti-
money laundering laws. While alternative documents such as a birth certificate, utility bill, or paper driving licence can…
-
S&P 500 ETF... Hedged or Unhedged?
I hold VUAG which last year made approximately +8% whilst the market it's supposed to track, the S&P 500, made +18%. I'm guessing this huge discrepancy is due to the strength of GBP v USD. IGUS which is a hedged S&P 500 tracker made +18% last year, matching the S&P exactly. Is there any reason why I shouldn't switch to a…
-
Nationwide bonus
Anyone gambling on another 100 quid in June? I'm already in the monthly saver, so instead of putting 200 a month in to feed that, put 500 in and withdraw 150 on each of the next 2 days. Will do it for Jan and Feb and also Mar to be safe.
-
Inheritance
Hi all. Just looking for some guidance. My sons, 16 & 19 have been left a small inheritance that they can have when they're 21. Is a fixed rate saver the best option? Or an ISA? Feeling overwhelmed with the options! TIA
-
Chase Boosted Saver Account
Hi I am looking to open a chase saving account, taking advantage of their boost offer to 4.5% In order to take advantage of the offer you are required to open a current account with them. Does anyone know if you have to make any deposit(s) to the current account or can it just lay dormant ? Thanks in advance J
-
InvestEngine experiences?
Just wondering how people who are using InvestEngine are finding them? I’m considering transferring my sipp and isa over.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.8K discussions
167.1K comments
Most recent: Cash ISAs: The Best Currently Available List by Growingold
Today at 6:31PM
