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Disembarking the Vanguard Ship.
JISA -£4k in Vanguard Global ESG, fee has not changed but should move to H&L (or Fidelity) any way. My ISA £27k adding £300 per month, 100% in VHVG, was thinking of doing the Ninja using iWeb, could still do this but only invest 6 or 4 times per year cutting fee to £5 per trade. Better half’s SIPP, this is the one that…
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Interest/income distribution from offshore bond fund ETF
Hello, Just completing my self assessment for 23/24 tax year. I own an offshore bond ETF that has UK reporting status. I received a dividend from this fund in the 23/24 tax year that I assumed counts as interest (fund is ~100% bonds). Just want to make sure that this dividend should be entered into the "untaxed foreign…
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SVS Securities - shut down?
I tried to access my account this morning and it just times out (eventually). There are some rumours online that it shut down yesterday, but it's not exactly plastered all over the place, and I've never heard of the sites carrying the rumours (so no idea how reliable they are).…
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Best Savings with Option to Create a Standing Order Out
Hi All, My club Lloyd's monthly saver has come to and end and I am looking at options going forward. The rate on the monthly saver is 6.25% which is great but you can only put £400 in a month. So I want to know where I should put the rest of the money and ideally set up a standing order so £400 each months goes into the…
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Is it worth renewing Premium Bonds periodically
I've held the maximum amount of Premium Bonds for a number of years. In the last few months, I've noticed what amounts to a considerable reduction in my returns. I was just wondering if anyone else has had a similar experience and if it would improve the results to "refresh" the bonds - that is to cash in and then rebuy a…
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Premium bonds for children; parents 'taxed' on winnings? or not?
If a parent buys premium bonds for their child is there a potential tax charge for the parents on any winnings? If so, is the tax charge on anything above £100 of winnings within the tax year (as per savings interest). Or... are the winnings untaxed, as PB prizes are untaxed (kind of similar to JISA)? Or... are the…
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Weird behaviour from the Prosper app when creating a notice account
Hello :smiley: I downloaded the prosper app and created a GB notice account. It gives me bank details to make a deposit under the name of Bondsmith, without anywhere on the app that shows my name or details on the new account. Needless to say, my current account bank is unhappy to allow the transfer. Did something similar…
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Increase portfolio or reduce debt
I'm a recently separated 40 something and I am trying to simplify and streamline my life after burning out through spinning too many plates and so I am wondering if I am better to develop a property portfolio (I have a large house and a holiday let at the moment that each generate a modest income) or to work on clearing…
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HMRC interest statement incorrect
Hi all, End of November 23 I received a letter from HMRC informing me about a tax code change. One reason for adjustment was untaxed interest. The untaxed interest was stated to be £16. That got me thinking. In the previous tax year I received £24.55 interest above my PSA. I phoned HMRC and asked for a detailed breakdown.…
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Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
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£3000 Easy Access.
Good afternoon. Can anybody recommend a easy access account for 3k which will be available on the 16th please. The money is at present in a Regular saver with Principality building society.
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Coventry BS login down
Entering username and password on the first page works. On the second page whether SMS or phone call is chosen it gives an error page "Page not available"
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How much savings to be a MSE?
I've been on here now for a few months and noticed there are a core of forum members who seem to be opening saving account every other day, or ones maturing. So how much wonga do you really need to make this work? I've learnt a few things on here that have helped me to save and am grateful for what I've got so far. I'm…
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How does tax on savings work in reality?
This might sound dumb but i'm struggling to get my head around how HMRC collects tax on interest paid on savings. I understand that basic rate tax payers can earn £1000 interest in a tax year without needing to pay any tax but what happens if you earn over £1000 of interest? I am wondering this, partly because i have…
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UK Gilts - Low Coupon Rates
As I move in 40% tax territory, I'm looking at low coupon UK Gilts (made my first purchase with TN28 with 0.125 coupon). I'll be looking to buy some more next year. How likely is it that further Gilt issues will have low coupons assuming bank rates stay around the same level ?
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UnbeatableHire.com
You invest £35,000. They supposedly rent out motorhomes. They pay you £300 a month straight to your bank account. After 3 years you get your £35,000 back. ~10% PA return. Almost certainly a scam (related to Motorholmes?), but has anyone got further information to back that up.
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How do you email sensitive documents?
So, I’m trying to open one of two accounts with building societies that only conduct things by branch / post .. in some cases they allow you to submit proof of identity by email. My question is .. how do others approach this? Are you comfortable with sending sensitive stuff by email or do you find safer / more secure ways…
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EQUFUND
Is anyone else having difficulties with EQUFUND? Since March of this year, they seem to have stopped responding to any contact by email or telephone. We have had personal investments with EQUFUND over a number of years, despite the understood risks, and they have always paid the agreed rates of return, mostly on time. When…
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Regular savings account verses standard savings account
Just putting this out there. I am sure there are some very savvy people on here but some may be drawn in by the high rates that are always around on regular savings accounts. I always have a sniff around but when you model the impact, if you have any savings of a modest level I've never found one that works out favorably.…
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Vanguard S&P 500
Hi would this be a sensible choice to put majority of ISA allowance in for the next few years with aim of beating cash ISA returns over 5-7 years. Why would people choose this vs something like Vanguard Life strategy 60? Or would both make sense ?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
20.4K discussions
152.1K comments
Most recent: ISA - Lower interest rate after 1 year? by 35har1old
18 March at 11:09PM
