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Tax and Personal Savings Allowance
I currently have a private pension of approx £12000 per year, plus savings in normal instant access accounts earning interest of approx £575 per year. My personal tax allowance has been reduced to £11880 from £12570 due to this untaxed interest. However I thought you could earn £1000 in savings interest on top of the…
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Claiming Higher Rate Gift Aid Tax Relief on Charitable Donation - Basic Query
Sorry for the basic question, but I cannot find the correct answer and am going around in circles.. Higher rate tax payer pays £159 membership to a charity which qualifies for Gift Aid and a Gift Aid declaration has been duly signed. Charity confirms the Gift Aid is £39.75. What is the actual figure which is added to the…
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Yield & TER
Does Yield & TER pls mean the same thing on the trading platforms? Thanks for any help
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Melton B. Soc
Anyone having issues with Melton, I just logged in to find I don't have any savings accounts yet in reality I have 3 ongoing accounts with over 10k in them. Forget the above, just logged in for the 4th time and now all accounts are showing, very strange.
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Brewdog Shares
So never had it been cheaper of late to buy some shares. Resellers have these listed for £12 a share, brewdog last offered them for £25, and the last investor sale round sold them for £15. Given they are an unlisted company, it’s difficult to truly value the price of a share. You could take into consideration the online or…
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*partial* S&S ISA transfer from SWSD (iWeb) to Freetrade?
I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…
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Lightyear investing platform - new lower fees
I don't think many people know about Lightyear, but they are an investing platform comparable to the likes of Trading 212 and Freetrade. They are relatively new, having launched in the UK in 2021 and are fully authorised and regulated by the FCA. They're also backed by Richard Branson of Virgin Group. Today I received an…
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Can I transfer my Moneybox ISA to avoid penalty for more than 3 withdrawals
I just transferred my cash ISA to Moneybox (per the Moneysavingexpert most recent email) and I get 3 free withdrawals per 12 months. The interest rate is 4.58% dropping to 0.75% if you withdraw 4 or more times. I don't have any intention to withdraw except in some sort of emergency but I'm curious, if I needed a 4th, could…
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HMRC details
Not sure if this is quite the place, however. I was recently asked to send in a self assessment form which I had not previously been asked to do. I rang HMRC, prepare for a 50min wait, they said that my interest earnings from my bank accounts had taken me over the £10k threshold. I asked for a list of the accounts from…
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Natural yield vs. total return
Heading into retirement I tweaked my portfolio late last year so most of our income needs come from yield on savings, bond funds and equity funds. I recently watched a YouTube video by James Shack (aka the man in the kitchen) who said it makes no difference whether you go for natural yield or total return because, when an…
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Premium bonds win
Hi all, My 5 month old son was fortunate enough to win a decent sum on the premium bonds recently and we'd like to use the winnings to invest for the longer term. Our plan is to split the winnings across our two sons and max out their junior isas each year (until we reach the sum of money won). My questions are about the…
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Novice Isa question
So i am new to isa's and opened my first in june 2025 i put 15k in one and 5k in another. Now when it comes to been able to deposit more money in them my question is this:- if i put another 20k into the 15k isa do i get interest on 35k or just the new 20k? thanks, please don't crucify me :)
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Union Bank of India
This bank is in the top list of 12 months bond on the savings site. Anyone had an account with this bank before and can comment on your experience with them? I am thinking of opening a 12 months bond with them.
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CGT sale which do I sell
HI Just started transfer request from HL to Charles Stanley of my GIA account and regret not taking advantage of the the past bigger CGT allowance. Aim is to shelter all this eventually into the ISA. Confused about which I should sell first to tidy things up was thinking about the deutche Telekom holding and the Troy fund…
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Treasury 4.625% Green Gilt 2037 auction - Closing 10 March 2026
This will only be of interest to direct investors in gilts, and therefore they are likely already aware of this forthcoming issue. If not, here's a heads up. Will be interesting how the 'big hitters' in the auction price this issue given current market volatility, oil price rises affect on inflation and how this feeds into…
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Cynergy bond renewal loyalty rates
What am I not understanding about why the 1 Year AER and Gross rates are not the same? Also, why would AER be compounded for durations < 1 year? And surely both are the rates of interest before the deduction of income tax? My brain is failing to compute! Term Loyalty AER* Rate Loyalty Gross** Rate 6 Months 4.06 % 4.01…
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Should I dump my stocks ?
The other side of the coin perhaps to the "should I sell my gold" thread. I'm thinking about the S&P 500 specifically which so far hasn't really been phased by the war going on in the middle east. We shouldn't try to time the market we are told, but I'm getting nervous and can't see much down side to a few weeks out of the…
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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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I have shares in a delisted and dissolved company - are they worthless?
Hi All, I'm having a sort out and have found a certificate for shares in Media Corporation Plc, which was delisted from AIM on 1 November 2013. I have letters from 2012 about subdividing shares, consolidating shares (which I think then never happened) and a potential name change to Leopard Oil Plc (which I also think never…
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Problem depositing funds with Union Bank of India (UK)Ltd
Following recommendations from Martin on the show we opened a Premier Bond account with Union Bank of India(UK) Ltd. All went smoothy until we called our bank, First Direct, to make the deposit payment by FPS. First direct could not verify Union Bank of India(UK) using the sort code and account number provided by UBI and…
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