-
Which gilt dealing service provides the best overall execution price for gilt trades?
I am currently using HSBC Investdirect as an online broker to invest in gilts, mostly index linked gilts. They provide a good service and generally the price I pay for gilts is somewhat better than the 'offer' price quoted by the LSE (London Stock Exchange). They charge a brokerage fee of £40 per trade. I wonder if there…
-
Isn't gold an alternative?
I've been thinking/reading about the pros and cons of alternatives and came across this Harvard article which shows these seven types:No gold. Why not? It might not meet all the paper's key characteristics of alternatives which is lists as: i) more lightly regulated, ii) illiquid, and iii) low correlation with standard…
-
Who writes this rubbish?
LISA down 13% and ISA down 16.5%. The amount he has lost in total as a percentage is between those two figures. Adding the percentages up is nonsense. 😂😂😂 No wonder the general populace struggles with finance.
-
Have I understood gilts?
So if bought in an ISA wrapper, based on buying and selling in one full year, using this gilt as an example: https://www.ii.co.uk/bonds/6-treasury-stock-2028/LSE:TR28 18,382 bought at 1.0880 on April 1st 2024 = £19,999.61 (initial investment) + 6% = £21,199.59 (difference = £1,199.98) 18,382 sold at 1.0668 on April 1st…
-
Cash Savings hubs
Does anyone here have any feedback or comments about the cash savings hubs available from AJ Bell, Interactive Investor and elsewhere? These seem to allow you to deposit your money in a kind of sweep account and then put it into the (claimed) best fixed term or notice savings accounts automatically - the idea is to make it…
-
How to Bed & ISA
I'd like to sell £20k of VVAAAT from my GIA with iWeb to buy £20k of FWRG in my trading 212 S&S ISA. In the past, I used the same platform and fund, so I just paid in £20k cash into the S&S ISA and bought/sold on the same day so got the same price. I have £20k cash to do this again however, this time I'm selling a fund and…
-
Was it the right time?
Off the back of all the threads asking if now is the right time to invest or if a mistake was made investing etc I wondered if anyone had previously wondered if they were doing the right thing and would have done anything different with hindsight. I don't have the advantage of ten plus years yet but here is my example. In…
-
Nationwide thankyou
Hi, has anyone received 2 x £50 thank you’s i Have, just wondering if they will ask for 1 back?
-
Raisin and FOS
I have some savings with Raisin, however, I've had an issue with them recently and they have admitted problems on their side, specifically around me being unable to access my account. When I went to FOS they said Raisin was outside of their remit, why is this?
-
Foreign share dividends
I’ve shares that are held on Spanish stock exchange and my dividends are paid into my GB bank account with 19% Spanish tax paid, voucher provided when funds transferred. I’ve tried looking in HMRC but struggling! I’m thinking ahead as my tax is a mess due to O/T 24/25 which as been overtaxed! It’s over £500 dividends in a…
-
Which Tax Year ?
Dear Forum. I opened a savings account on 31/05/23 and was paid some interest on 30/05/24. Which Tax Year does this fall into ? 2023/4 or 2024/5 ? Any advice would be appreciated. Thanks
-
Am i making the right decision investing lump sum now
Hi All, Is it a good time to invest in Vanguard funds? I know you're meant to buy when things are on sale, but Trump's tariff policies are making me wonder if I'm making the right decision. I sold my Marks & Spencer shares and have placed an order to buy the Vanguard FTSE Global All Cap Index Fund. Am I rushing this…
-
How to Fund the Life You Want - Investing in the S&P500
Hi I've done a speed read of this book and likely to go back in for an in-depth read later this week. I have a bunch of ISAs and SIPPs all into Vangaurd LS 80/100. I'm 44, good job, house paid off, planning for retirement in 10-15 years. The book seems to generally recommend simply switching to a passive S&P500 fund. Do…
-
A rising tide lifts nearly all boats
FTSE100 was up 2.14% today with 99 rising and just one falling - the London Stock Exchange Group. Spoilsports.
-
BEWARE : Post office easy access savings account recommended by MSE
Tried to open but apparently there is a problem verifying my linked bank account even though I have had the same bank for many years. Luckily I only transferred a £1 to the account details I was given. I phoned up to query and been told I have to post a recent bank statement with all personal details . Do not trust post…
-
Co-op bank switching/tax liability
Last year the Coop launched a switching incentive: https://www.co-operativebank.co.uk/about-us/press-release/2024/the-co-operative-bank-launches-new-150-switch-and-save-offer/ There was £150 worth of incentives for switching and opening a Regular Saver account. Does any of this need to be declared on a HMRC self assessment…
-
Moving Sterling from Uk to Euro in Ireland
Hello everyone. I hope I’m posting this in the right place. Apologies if not. After living in the UK for 21 years, I’m moving back to Ireland. I’m trying to figure out the most cost effective way of moving my life savings from Sterling in the UK to Euro in Ireland. Some of it is in ISA’s and some in notice accounts. From…
-
Cashing Income Bonds
Hi My Mum had some Bonds that produce a monthly income, but due to her possibly having to go into a home, we may have to cash these in. From what I understand, if we do this, then they are liable got income tax? Looking for some advice with what is best, and if this is the case. Thanks
-
Good Energy Shares suspension
Good Energy has recently got a new owner Esyasoft - and now my holdings of Good Energy shares no longer appear on my Computershare portfolio, as Good Energy is suspended from the stock market. What happens next? I've not had shared suspended before.
-
How does one decide it is time to sell Marks and Spencer shares
Hi All, I currently own 7705 M&S shares, which I acquired during my employment there several years ago. I'm contemplating selling these shares and investing the proceeds in Vanguard funds instead. However, I'm uncertain about the optimal time to sell, given the fluctuations in the retail sector and my initial purchase…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.1K discussions
159K comments
Most recent: Virgin cash isa missed deadline by xylophone
Today at 8:01PM
