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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
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Limited access account - monthly interest
Does any one know of a limited access account or a short notice (eg 30 days) account with a good rate of interest (4% ish) that pays monthly interest? I'm semi retired and want to access interest instead of using capital.
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are:* Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Rebalancing the portfolio
Hi All, I'm currently 90:10 split of equities/bonds and am at the point where I think I'll be retiring in the next 4 years or so, and am looking to rebalance down to something like 70:30. My currently thinking is to have up to 2 years' cash in cash isa/ns&i/short term money market fund (for easy access, on top of a…
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INXG Distributions
I thought it would be worth flagging an interesting feature of this Index Linked Gilt ETF originally noted by @Alexland, which seems to be "distributing" an excessive amount of interest. Most ILG have very low coupons, so a 12 month trailing yield of 7.15% is way above what you'd expect such a fund to distribute. It is…
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Investment Of Large Amount - What To Do?
Morning all, I have a two fold question if I may please. I am about to receive a decent amount of money through company dividends, as the company I work for has just been acquired. My first question is what to do with the money. I need/want to invest it for a minimum of a year, as I will not need it until some time in…
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Selling commonwealth bank of Australia shares
Hi My late mother and (not late) father own some shares in the commonwealth bank of australia (ASX code CBA). Details are vague but they somehow came into ownership of these many years ago via a scheme offered by the teachers union they were both members of. For clarity my mum and dad are both UK residents and have only…
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Top slice onshore bond advice
Hi I would be grateful if anyone could give advice about top slice deductions on chargeable gains. My elderly mother has 2 onshore bonds that I have just came across the paperwork for. Unfortunately the financial advisor who set these up has retired long ago and I have no experience of anything like this. The main bond is…
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Paying tax on savings interest.
For the first time in the 2024/25 tax year I went over the £1000 interest tax allowance. And by a less amount in 2025/26. Though I went over a certain amount I am sure it’s less than the £760 for 2024/25. they show I owe. They then adjusted my tax code so the last 4 months of the 2024/25 tax year I have paid £39 more tax…
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Royal Mint Issues?
Is anyone else having issues with Royal Mint's website? Have (had?) some investments there in digital gold. Couldn't log on for weeks, now I'm in and my digital gold all seems to have vanished… As has the function to buy any more. As have the records of a few small purchases I made as gifts over the last 10 years. And the…
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Trust for children managed by bank
My mother-in-law has put some money into a trust for her grandchildren (including my children). This has been done to help them out with future university costs, and done in this way to reduce liability for inheritance tax. So far, so good, but she has done this without talking to my wife or sister-in-law and has been…
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Inheritance from abroad - what to do?
Hi Everyone, I’m about to receive an inheritance (over 7 figures) in Euros. I’m resident in the UK for tax purposes but I’m not a British national. I’m wondering if it makes sense to park this money in Europe rather than exchange it all at once? Do you think it’s worth looking for a wealth manger to help? I’m ok with…
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Post Office savings account
Just opened Post Office instant access savings account. When I tried to tfr. money into it from my bank - I got error msg. from my bank saying cannot confirm destination account details. I phone Post office & their explanation was because Post Office is registered in Republic of Ireland. Seems little strange to this…
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Joint Savings Account with Sibling
I’m looking for the best option for the following joint account I want to open with a sibling. We plan to get a joint mortgage and want an account where we can both deposit money to cover mortgage payments. Whilst we trust each other implicitly, we would both like something that will allow us to set a chunk of money aside…
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NS&I index linked certificates
My 5 yearers are up soon. At first we had RPI, now a lower CPI. At first we had plus 0.5%, now we have plus 0.01%. You used to be able to cash in, and the best time to do so was on an anniversary, but you could at anytime if wishing to get at the money. Now the next rollover is fixed with no withdrawals for the term. Are…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Limit of FSCS protection, S&S Isa, fund values beyond £85000
After decades of investing I'm fortunate enough to have an ISA portfolio (currently with ii) with a number of fund values beyond £85k. I'm uncertain as to the risk that there is to that part of the funds above £85k in each case - they are UK regulated funds with the majority as MMFs. Does the FSCS scheme only cover up to…
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Buy to Let or Stocks & Shares ISA in 2024
Just after some general advice in 2024 as to whether people would lean towards a BTL or Stocks and Shares ISA to try and grow thier savings pot? My partner and I have around 30k in a basic savings account and want to try and accelerate this over the next 3-5 years. Thanks
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Scottish Widows free Regular Investing review.
For anyone who hasn't use Scottish Widows/Iweb free "Regular Investing" yet, I thought a review might be useful. I've used it a few times for mopping up small divis but have noted that SW frequently execute orders very soon after the LSE opens. "Trading the open" can be profitable for experienced traders but comes with…
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