Savings & investments

Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest, even my maths is telling me…

Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…

I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks

I've asked similar question couple of years back but thought worth getting an up to date perspective… My pension pot currently has 70% equities, 20% money market fund, 10% UK gilts fund (containing mix of medium to long term gilts). The gilt fund is basically all that is available from my workplace pension in terms of…

Shawbrook bank website is offering a quite rare (or let's say unusual) 7 years fixed rate Bond at 4.21% interest (and an Isa version at 4.14% with deposit allowed in the first 90 days that it is useful even for those who have already maxed out this year allowance and they must wait for April). Would you put £1000 on that ?…

The max monthly deposit is £150. Is this net or total? Ie if I withdraw £4k on 1st April, can I add the £4k back in on 25th April, as long as the balance does not increase by more than £150 (plus interest) in the month? I'm sure i've seen this asked before but could not find!

Hi there, I have found 2 Unit Trust certificates (Pearl Unit Trusts) in my mum's name - she died 5 years ago. I have no idea what these are and how to proceed if there is a monetary value to them. It seems that Pearl Unit Trusts no longer exist. Any advice greatly appreciated. Thank you.

I've a fixed bond maturing with Ford Money on the 6th April 26. They have asked for my maturity instructions. I want the money transferred to my bank account so I can move it elsewhere. The drop down menu on their on-line account doesn’t allow for this. Although the written instructions say it’s an option. The drop down…

Hi, my wife and I downsized and now have no mortgage and about £115k to invest but don't know much about investing or pensions. When the new tax year starts we will probably put 20k each into a stocks and shares Isa. We are mid/late 40s so retirement a long way off. I have a small Sipp (18k) and my wife has a small work…

Whats the general opinion on interest rate changes on Thursday.....up, down or no change ?

Hi there I am struggling to understand tax implications of selling my long term incentive shares that are about to vest and wondered if someone can help me please. I have quite a number of shares in the company I work for already. The latest LTI award I was given as part of my bonus 3 years ago is about to vest. My…

Hi, my cash ISA is maxed out for this year and will be for the new tax year when I fund it, but I'm wanting to put £50 or so away in something similar to a stocks and shares ISA. I'm aware I can't though as my cash ISAs are maxed out. Can I still open a S&S ISA or is there something else I can go for? Thanks

I don't understand the point of a savings account that in the end you are going to only gain £25. For instance Principality pays 7.5% in interest, you have to deposit £200 every month for 6 months only ( no withdrawals) to get in the end £1,225.93 , that's an interest earned of £25 at the end of the 6 months . Is it worth…

Hi, I'm new to this group and not sure if I'm posting in the right forum! Please let me know if I'm not. We have money in a Barclays account but also wish to set up Chase and Trading 212 Cash ISAs in this financial year. We know that Barclays is a banking partner to both Chase and Trading 212 and therefore would like to…

Hi all. Some platforms don't show the charges & restrictions that they impose on you and your cash until you learn the hard way when you want to take uninvested cash out & then they inform via a brief info that it's 4 business days, I guess that would be 6 if a wknd is involved so investment platforms aren't like banks…

Hello All, A year ago, and following HRMC rules, i sent them a letter to claim for some losses materialised on the 2020/2021 tax year. As I didnt filled a tax return that year (didnt need to), the option left was to send them a letter with the deatils and calculations for the year. I did all of this, and sent the letter to…

I have invested in FTSE 100 and FTSE world distributing ETF but not yet invested in the S&P 500 ETF. Anyone can comment on a S&P 500 distributing ETF in sterling that you have invested in the past or present? The name of fund? Thanks. Not looking for advice or opinion, just a fact, that is, the actual name of the fund.

I started an ISA with InvestEngine a year ago for tucking away spare money, separate from my pension savings. While I like the offering from them, ease of using the app and obviously the low cost of investing, I can't shake off an uneasy feeling about their reliability. For example, they pulled their new Life plan managed…

I'm trying to help a family member who is reviewing their investments. They were taken out by their partner years ago who is no longer with us. They are using the Aegon platform and have the following investments. Identical investments in both their GIA and ISA (although much more being held in the GIA). 27% held within…

Currently have cash ISA with Tembo whic I am very unhappy with due to them having 2 working days delay in processing withdrawals and also them not providing instantly available bank statements. I am looking for either regular instant access savings account or an ISA without the above mentioned nonsenses. Also not keen…