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Don't have to file your Self Assessment return
Inspired by a similar thread & lighthearted. After nearly 30 years I have not been reminded to do SA nor do I expect to. Started as a low earner but with some company shares, paid early because of a takeover, I self declared, not run their course, 50+ other people in the company, who did nothing, never got any comeback.…
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Tax on Raisin Interest
Hi All, I had an account with Raisin that matured in February 2024. i just realised that Raisin does not take off the tax on the interest. Do I need to declare this HMRC via a self-assessment? Thanks in advance.
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Vanguard: New Minimum Monthly Account charge
Update: Vanguard have delayed the minimum account fee and other terms changes. They will now apply from 28 February 2025. ------------------------------------------------------------- Vanguard are introducing a new monthly minimum charge of £4 per customer from the 31/01/25
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Trading 212 - HSBC say it is a scam
I successfully opened a Trading 212 ISA with funds coming from HSBC. My wife also opened one up with a small (£1?) amount and then attempted to top it up to £20k. HSBC fraud intervened and told he it was a scam, even after telling them she had downloaded the app from Apple (not just a website), it was recommended by MSE…
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What is the difference between a fixed term savings account, and a fixed-term bond?
This may be a silly question, sorry! I have been looking at savings accounts after maxing out my ISA already this year. There are fixed interest account savings, but also fixed interest bonds, all with various deposit and withdrawal restrictions. I'm not sure what the difference is though? Is there a difference in terms of…
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loughborough interest payment date
Does anyone know when interest is paid on theLoughborough Holiday monthly saver 31 May 20261yr Fixed monthly saver issue 2 end of term edit. searched a bit more and found answer
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Stamp duty when buying shares
Been doing a bit of dealing in Lloyds banking group..... Sold a few but now wanting to buy some back, just went to make a transaction and \i get my usual cost of about £12, but now they are trying to charge me a stamp duty of around £33.... I have never had to pay this before, why would they be charging me that now... I am…
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Pension Crash
Hi. I’m 9 years from retirement so I’ve got a little way to go. But my pension has lost £21k in the last week due to market fluctuations and the Trump trade tariffs. My worry is that this is going to erode away my pension pot and not leave enough time to recover my losses. Can anyone offer and advice
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Self-assessment and discrepancies
After a long period of low interest rates it's only been in the last 3 years that I've exceeded my personal savings allowance. In both 22-23 and 23-24 HMRC's figure for the interest I received hasn't matched my own records. However as the differences were only very small I took the view that it would all even itself out in…
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Which Regular Savings Account is better
I have the option of a 1yr regular saver with a fixed rate of 4.85% on maximum monthly deposits of £250 or a 6 month regular saver with a fixed rate of 7.5% on maximum monthly deposits of £200. Which is the best option? Obviously there will be more money in the 1yr version.
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Fidelity Investment Site Down
Sorry, this service is temporarily unavailable We are making some improvements to our services at the moment. Normal services should be resumed shortly at which point you'll be able to use our services as usual. Thank you for your patience. -------As a new customer I'm not impressed
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Easy access account with debit card
Hi I'm trying to help my dad look for an easy access account which has a debit card, it's going to be under 5k. It could be fixed although I just don't want the hassle of having to sort it out again next year. Any advice?
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Why do never-investor always say "the market took x amount of years to recover"?
It physically pains me to see the argument of "in 1929 it took 25 years to recover. In 2000 it took 7 years to recover, then crashed again and took another 6 years to recover etc etc. The act like every investor only buys once with their entire life savings? Seriously who takes £100,000 and just buys once and doesn't do…
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Closing Hampshire Trust Bank account is slow - anyone done it?
HTB's preferred method of closing an account is by secure message, with the "close the account" box ticked - this fills in the message text as "close my account", and stops you from editing it more. I sent that on Sunday 6th; they say "we aim to reply to all messages within 3 working days". Now on the 4th working day,…
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Maximising interest and the personal savings allowance
Hello I would appreciate some feedback on whether I have done my maths correctly here. For the next tax year I believe I will go up into a higher tax bracket, though I don't seem to be able to find clear information on how the personal savings allowance applies in Scotland and at what income the allowance goes down to…
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Is now (with the current Trump turmoil) a good time to invest my savings in a with profits bond?
Been planning for a while to invest a sum into a bond scheme, but unsure if its wise to now with the current Trump fiasco, as, if I am correct, bonds schemes invest in America which seems close to chaos? My IFA said reputable companies who offer with profits bonds like the Pru for example, plan years in advance...but how…
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advice for falling market
Firstly I don't know much about stocks, and I don't monitor the markets closely, so this is a no-brainer question please bear with me. I have an overall savings pot of @ 550k invested largely in the Vanguard life strategy 40% equity fund. I chose vlVanguard because it's supposed to be a relatively safe haven for…
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Fund rebates after account closed
I'm not experienced with investing, so I'm hoping someone can shed some light on what's going on with one of my late mother's investments. My mother died sixteen months ago, and I'm the executor of her estate. Probate was granted last May and all accounts notified and settlement requested, including a Stocks and Shares ISA…
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Help to save
Hi is anyone familiar with the government help to save scheme? In a months time I would’ve been in the scheme for two years I will have saved the maximum amount of £1200, giving the £600 bonus. I am confused about how it pays out. I understand the bonus goes straight into my bank account and not the help to save account…
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Tax on bank account interest (2023-2024) - applied for a second time despite being paid.
I wonder if there is anyone else has found that tax on interest on bank accounts (2023-2024), has been applied for a second time, even though it has been paid and their tax return shows that bank interest has been calculated correctly in the first place.I normally pay tax through self assessment (I receive a bill), but…
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