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Savings accounts while living in Spain
Hello, I am
moving to Spain soon and I am looking for a saving account in the UK that I can
hold when I live in Spain and can have joint names on the account. thanks
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Plum Cash ISA
Might be worth flagging up the terms for the cash ISA. I understood that I would need to retain for 12 months to get the bonus interest. At12 months I was told that the bonus would arrive at the end of the month. that has passed - no bonus. I contacted again and was told “at the end of the following month”. However, if…
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Increased Markets Volatility
Markets
will almost certainly open down on Monday, on the back of the latest trade and tariff
spat between the US and China. Meanwhile, Dimon has expressed
concern at the increased ptential for market falls and the likes of Jeremy Warner have recently
dedicated long columns to the subject. For the average retail investor…
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Bad experience with Tembo
Has anyone save on Tembo easy access account. ? I did. regretting it. No way of withdraw your money on the Tembo Apps. Can anyone help please as to how I can close my account, and get my money? Financial Ombudsman said. i have to wait 8 weeks to complain.They features in one of Martin Lewis instant access savings…
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Money Market Funds ?
I am considering switching about £50K held within an ISA account with iweb in VL60 to a money market fund , possibly Vanguard Short-Term Money Market Fund -Accumulation. 1. Would the procedure to keep the ISA status be to simply sell the VL60 and buy once Iweb has credited the cash to my ISA account or would I need to do…
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Should I sell an under-performing fund and invest the money in well performing shares?
Hello, First off, the investments in question are in a SIPP with 20 years left to run, so they are very much long term investments. That said, I would still like it to grow as much as possible every year - hence the question. I am also a novice at this sort of thing. The portfolio is evenly spread across a range of regions…
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Stocks and shares ISA all with one provider
Do people see it as ok to have all you stocks and shares ISA holdings with one provider. I currently have 200k with iweb. As this has no holding fees. And 130k with AJ bell I am thinking of transferring this to iweb. As AJ bell has a holding fee of 0.25%. is it seen as risky to have large amounts with just one provider?…
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Best type of account to save for a house?
So I currently have a LISA sitting at around 20,000, however I don't think I'm going to be able to buy a house for the £450,000 limit. Is it worth me continuing to pay into this account, and if not, what's the best sort of savings account to save my deposit in? A cash ISA?
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Ready Made Investments (as offered/advertised by High St banks)
I'm talking about those ready Made Investments (as advertised by the high street banks) aimed at people like me who don't have time or simply don't want to investigate individual bonds/stocks etc. I now have 3 of these (one each with Lloyds, Halifax, and Barclays) - the gains are far superior to any ISA or fixed rate…
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Too much TECH in isa?
A bit of advise please on my stocks and shares ISA which is around 50% tech . This is due to both Palantir and my Legal tech fund increasing in value over the last year or so and now it is around 50% of my portfolio , 40% the HSBC Global FTSE Dynamic ( which is also tech heavy) and around 10% of random UK stocks ( lloyds ,…
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Using an IFA
I have used an IFA for many years, to deal with my mortgages and personal pension. A few years ago I decided to invest some money from my small limited company, in an attempt to mitigate inflation, which was about 10 percent at the time. The investment fund has done ok. I now want to invest a bit more (not adding to the…
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Chase
Anyone having problems with Chase? My savings account has disappeared and can only see current account. Can't access statements either.. Edit.. It’s just come back
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Late 2025 low risk changes to ISA and SIPP
I feel the mood music is shifting and at some point in the next 6-12 months the music is going to stop and as usual, I'll be left without a chair. I'm not looking to time the market, I am looking to move my SIPP and ISAs with HL and Vanguard away from 100% all world Equity which tends to have a US and UK bias. I really…
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Ulster Bank easy access Saver - 4.5% interest, but is it lost forever if you go under £5k?
Hi there. I recently opened an Ulster Bank regular saver. It offers interest of 4.5% so long as the balance is over £5k. However, I’m not totally clear what happens if the balance drops under £5k. The guidance is not clear to me and when I spoke to someone at Ulster via the app they could not answer the question either!…
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Foreign Currency
I have some foreign currency in an overseas bank account and the interest is less than 1 % but tax free. Notes inflation will eat into it and I have maxed out my ISA. I no longer require this money in a foreign currency and looking to save and invest it as it is part of my retirement fund. I am trying to work out what my…
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Total chaos at Kent Reliance
I received an email on 19 Sept saying my easy access accounts would move over to their new system last weekend (4-5 Oct) and I could register for this online from 6 October. Having tried this several times it appears that my easy access accounts are still on the old system and there is no clear date for any future move. I…
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Derivatives and other complexities in Man GLG Dynamic Income
It took me a few years to get a basic understanding of bonds
– stuff about duration only really sunk in after interest rates rose in 2022 (though
by luck not judgement I mostly held short duration). The only actively managed
bond fund I hold is Man GLG Sterling Corporate Bond which has performed well since
its launch in…
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Savings account for an RTM
We are a block of 20 apartments and are a RTM Co. Ltd with a managing agent looking after collectionof service charges. We are very proactive and manage most of the building ourselves. We have now built up a substantial amount of service charge surplus funds held in a trust account by our agent. Our agent however will not…
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Which Index funds to invest in?
Hi folks, at the moment I am in the fortunate position of having a sizeable pot built up in cash savings. From what I've heard this is probably not the best strategy to be so cash heavy versus investment ratio? I have dabbled in the stock market over the past 5 years with varying degrees of success. Probably just about…
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Charter Bank Sharp practice
I see Charter Bank are trying to "pull a fast one" - and failing.I have a fixed rate account about to mature and going into the maturity options, I'm offered a 1 year fixed rate at 4.05% AER mmmmmmWell their main site says that they are offering a 1 year fixed rate account at 4.11% AER. So they are offering worse terms to…
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