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Child Savings
My wife set up some accounts in our childrens names, utililising money from her savings into these accounts. the accounts enable her to put money in and take money out without issues. We now want to use this money for a property deposit, if we take the money out there is also approximately £5000 in interest accrued, do we…
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Impax Environmental Markets Investment Trust
I would welcome any thoughts on what action I should take on the proposed tendering of shares in Impax Environmental Markets IT in order to thwart a takeover by activist investor Saba. There appears to be a chance to profit from a NAV discount of around 7% by accepting the tender offer. Does it matter which way I vote?
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Pru with profit bond
Advice please We have a pru with profit bond which was taken out in Dec 2001. Initial investment 41k current value 147k I am currently pay @ 20% tax however only have 6k headroom, this year, before paying higher rate tax. My wife pays 20% total pensions etc approx 16k I have today applied to take out the initial investment…
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Zopa problems logging into accounts
Anyone else is having problems not receiving the verification codes to log into their Zopa accounts? Worked absolutely fine till yesterday then suddenly it stopped (my phone's fine and am receiving the verification codes from other banks without problems). Zopa app is working fine, thou, but you need access to the account…
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Found money , how much can i invest long term to accumulate
Slightly jovial thread ……. found 5p today in a car park and like others occaisionaly find a coin. This thread is to accumulate any other finds and invest purely for fun to see how much free money we can make over time…….. Guessing there are no investments that will accept 5p …… but open to ideas , thoughts etc…. So current…
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Tax on personal savings
I am wondering what my tax free allowance for savings interest is. I have state pension of £220 per week and an additional private pension of approx £80 per month so that equals about £12400 per year. Does this mean if I have no other income that I can earn a total of £6000 per year interest without any tax liability? Just…
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Need an overview on £200k investment options
I've been squireling away for quite a while and have amassed about £200k, I am quite risk averse so the money has mostly been sitting in ISA's until now. I have no private pension and the amount is getting to the point it seems insane to just let it barely match inflation when it could be generating some decent passive…
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ISA transfer funds missing. Trading 212 to Santander
Hi all, Requested a cash ISA transfer on 17th April from 212 to Santander. Went into Santander branch as I had to use the paper form and wasn't sure of sort code. Eventually on 30th April, funds left my 212 account and I have been waiting ever since for them to appear in my Santander fixed ISA. Communication with Santander…
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Can You Sense Check This - Optimising Tax on Pension and Savings
I would appreciate some feedback on this plan, to understand if it is a good approach to minimising tax. I have recently come into a cash windfall due to a DB PCLS and generous redundancy package. With a bit of additional personal savings this all adds up to £450k in cash and is sitting outside of any tax wrapper. As I am…
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Saga Savings can't withdraw
I have a Saga Savings Easy Access account set up in 2023 so with Goldman Sachs. I can log on and navigate round but when I try to transfer money to my current account it gives a message that it can't do that. I have contacted Saga who have raised a formal complaint but refused either spoken or in email to explain why or…
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Aldermore Bank
Been trying to log-in to Aldermore Bank to enter maturity instructions, but website address not recognised. Anyone know of planned maintenance? TIA
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Electronic ISA transfer from Trading 212
Hello Does anyone know of an ISA provider who allows an electronic transfer of a cash ISA from Trading 212 to their own ISA? I opened a Santander cash ISA for the new year and did the paper transfer from. Absoynotjinf has happened, Trading 212 can't trace the request, Santander are adamant they sent off the paperwork etc.…
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"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
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Interest for 17 yr old on £35,000
A children's account was moved on his 17th birthday to a Virgin account paying about 1%. What could he do with this to at least protect against inflation
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New to ii Platform
I have recently transferred from HL to ii, which saves me quite a lot in fees per year. Obviously changing from one platform to another is a bit frustrating as you try to get used to the new system. I remember changing from Windows to Mac and initially regretting it until I got used to the changes. However one of the…
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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NASDAQ rule changes....
So NASDAQ have taken away their 6 month / 1 year delay on newly listed companies being squeezed into our pension funds. Which means any new company taking a huge hit in the first year comes out of penson funds. Just wondering, how much is the VLS60 affected? I naively think that FTSE isn't exposed, except through a knock…
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With tax on savings set to increase to 22% on 6th April 2027
Is it better to select monthly interest option if available rather than annual on any savings accounts that otherwise pay the interest next year? Then pay 20% on interest received this tax year and 22% next?
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Joint Savings Account for Inheritance
My 3 adult children have just received money from my mother’s estate and while the 2 eldest are sensible with their money and have mortgages, our 22year old son isn’t. He has agreed to me managing this money for him, but not sure the best way to do it. Would prefer it is in his name as it is his money - would a joint…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Nationwide ISA Transfer Delay - any experience of this? by Sandyra
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