Savings & investments

I'm a cautious investor and have been with the same Financial Advisor for four years. He gets £1000 a year from me but my money is invested in 2 Funds so he does nothing for his money. Last year I arranged a meeting with him following a significant change in circumstances and sought advice from him. However a week later I…

I retired last year and took out my maximum lump sum; most of it is still intact: 20K in ISA's split 50/50 and the remainder in fixed and flexible bank accounts. I am selling my rental properties, and after CGT I will have some more cash to invest. Ideally, I would like some regular income and dip into the pot as required.…

Some years ago I invested in one of the ill fated Woodford ISA accounts. Since then I have received several tranches of payments. I recently checked my IWeb account and it is showing a valuation of £52 in LF Investment Fund LF Equity Income C GBP ACC. I contacted IWeb to see if I could remove this sum but found their…

Hi all, I do apologise if this has been asked before. Just wondering if anyone has advice re: a trust account for a DOV. It appears that very few banks offer a trust account these days. Thanks Satriales

I’m hoping someone might be able to offer some advice because I feel like I’m rapidly running out of road with Kent Reliance! I’ll start by saying what an awful service and experience I’m having with them. What should have been a relatively straightforward situation has turned into a two month saga, with a different answer…

(Sorry if this is the wrong category, couldn't see a more appropriate one I'm probably being daft though) I signed up to a Santander Investment (S&S ISA) account through the MSE link which promised a voucher from VoucherSent after 165 days of sign-up and remaining invested with minimum amount. I signed up for the account,…

Many posters have said/complained that they can only see a cumulative savings interest sum in their personal tax account, and you can only get a breakdown by requesting this from HMRC. I received my tax calculation for 25/26 today ( I do not do self assessment). The details of each of my savings accounts and the interest…

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My finances have always been simple, and since retiring my only income is from a Civil Service pension and some interest from savings held in bank accounts. HMRC send me 2 letters a year stating what tax I need to pay on my pension and interest and adjust my pension’s tax code accordingly. By chance a friend mentioned that…

Forgive me if a similar question has already been answered in an earlier post but I have been unable to find it… I have two Sunny Day saver accounts. Both originally had a balance of £3K. One of the accounts received an interest payment in July 2026 which took the balance above the £3K maximum. Unfortunately this went…

I signed up for the Etoro £75 free shares offer using the MSE link, reached a page with a Claim your free shares link and created my account. Funded my account with the required £200.00. But no evidence of any choice of any free shares or any free shares at all. The Chatbot advises that the £75 of free shares will only be…

Hi, I'm gonna throw this into the void and I'm sure be told that there's nothing can be done but here goes - so my wife found an old a passbook for an account with Halifax she'd forgotten about - it was an instant access ISA the last balance was £1500, so we went to the local branch and they took a look etc and in the 12…

For years now, I have had trouble logging in to NS&I. They suspend my logging in, so I have to go online and change my password. Problem is, that does not work. I am asked to enter a Hash Key, which never works. Every time I change my password, it stops working the next time I need to enter money into my saving account. It…

I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA

I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…

Can someone help me with an interest calculation? My Cahoot Sunny Day Saver pays 5% annually on balances up to £3,000. I have £3,000 in it. Will I get £150? Or is the interest calculated in a way that means I get less? And would I be better off having a balance of less than £3,000? (e.g, £2,850, and putting that remaining…

Even in a forum designed to talk about long term financial planning, it seems lots of posters are only putting money in unnecessarily low risk pots, like savings accounts, premium bonds, and bonds. Great, there’s little chance you’ll lose this money... But at the same time these advocates for cash savings seem to omit that…

Hi. Both me and my wife have premium bonds to the full value of £50k each. This month, November 2026. Neither of us have won anything. Is this unusual? Is there something going on with premium bonds? Anyone have any answers please?

Hi, Basically i had some shares in a company called PropertyMoose which was a property company that rented out properties. However in the last few months a company called UK Diversified Property has taken over everything which to me seems extremely bizarre. I was trying to look into whether a company can take over the…

What are people’s thoughts about UK all share vs. equity income in (whatever you consider important about) the current environment? When I sold my UK smaller companies fund last year I bought equity income (Vanguard) considering it more reliable given the UK economy didn’t seem to be going anywhere fast. I have about 15%…