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Portfolio advice
Hi Just wanted to get some advice on my self managed portfolio which i have always kept quite simple. With the recent volatility and over priced USA stocks it has made me think about the allocation and if holding such a large amount in Ftse All share/S+P tracker is diversified enough. I have about 10-15k to put into…
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Santander - free 4 year railcard for anyone aged between 20 and 25 saving £50
https://www.santander.co.uk/personal/current-accounts/railcard-offer Saw this on my Santander homepage, and thought I’d share. Seems like a pretty nice offer for not much work! To get this offer you must: -Be aged 20-25 on 30th June 2025. -Open a Santander savings account (unclear if existing accounts count). -Deposit £50…
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Principality online bonus triple access (issue5)
It you close this account early does the interest get transferred with the amount in the account or does it get sent separately?
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Why do I invest in a global index when the S&P500 always wins?
I'm invested exclusively in VWRP which is a global index fund. I chose this because I read countless articles about concentrating all your money to one country can be risky, even if that country is the United States. And it made sense at the time, I thought I was being smart and risk averse by opting for a more balanced…
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Temporary Large Balance protection
I am just trying to check whether the temporary protection still applies if I move the funds from the account it was originally sent to. Example: I sell my house main residence for net receipt of £700K from solicitor. Proceeds goes into account A which pays low/no interest. I move £500K into account B pending completion of…
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Best way to invest about 200k
Hi All, I am a higher rate tax payer and pay into my pension but not a large amount about £400pm as I am still some years away from retirement and do not like that the pension age keeps increasing. I have money in various savings accounts such as Santander, chip and Tandem. I have around 11k in 1 year fixed ISA maturing in…
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Banks/Building Societies with accounts that you can fund with a Debit card
I am looking for a list of institutions, such as Yorkshire Building Society that have a "deposit" type option on their website to fund accounts from a debit card. I am fairly sure this has been asked before, but I have used forum search and can not find such a list. While I currently fund regular savings accounts with…
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CYNERGY
Has anyone used a Cynergy cash isa? The reviews for this bank are not to clever on the internet.
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Bradford & Bingley building society crash
Out of interest I was just now looking up which building societies had gone bust The B&B was one in the fincial crisis of 2008/9 was one I understand the B&B bs went to the stock market and shareholders lost all of their money/share However, what I want to know is - are savers with more than the FSCS at £ 85,000, I…
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Child Investment Plan / General Money Advice
Hi All, I'm looking for some advice/criticism/comments regarding my current financial situation. A little background firstly, and all financials given are in GBP... I'm an expat right now residing in Singapore, soon to be moving to Switzerland (this summer), and with my wife (both 45) we currently have the following:- UK…
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Standing order question: First Direct
Last night, while half asleep, l mistakenly sent £250 over to my FD monthly saver account. Obviously, the money didn't cover the standing order amount, so l sent funds to cover the shortfall ASAP . Will it correct itself today, or will l need to phone them to change the standing order for next month? I only have one more…
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Landal Belvedere go into administration
Last year I invested in landal belvedere for a lodge under a 5 year contract. Initial investment £84,950, with 8% net yield per year rental income, equated to £6796. And buy back rate for 110% so £93,445, overall return £42,475. For the first year received rent on time, then in June when due to receive rent they stated it…
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Regular Saver Accounts
I often see recommendations for high interest regualr savr accounts. Please note the interest is calculated based on the money in your account at the time of calculation, not the final lump sum at the end of the term. . So if the claimed interest rate is, say 6% the first payment only accrues 1/12th of 6% the second balane…
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Raising FSCS Protection Limit
I was going to post this reply in the Birmingham bank thread but rather than send that thread off track I thought I'd start a new one. I had someone elses bank statement sent to me once. They had just shy of 500K in their current account. Now OK 500K is a lot but I suspect it was pretty much all of their life savings. I…
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Savings / investments for grandchild in Europe
Mum (now 83) wishes to spend about £100 per month on savings for her grand-daughter (who has dual UK / Belgian citizenship and has always lived in Belgium). GD's dad (my brother) has suggested something investment-based rather than cash savings, given GD's age (just turned 12). Am I right in thinking that the options are:…
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Tax free Allowance for income
Hi , can I just check in for some advice and clarification. Wife did retire and returned PT a couple of years ago but is now ready to no longer return. She has a small business which along with her small pension creates an income of £7K/ year. With her PT job she was just below the tax threshold which was reduced as I…
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Trading 212 withdraw funds and close account?
How do I withdraw the funds and close my trading 212 account? The balance is £41.52. All I can withdraw is £1.52, the .52p I presume is what interest/profit I have gained as I invested £1 when I opened the account.. What about the £40 shares or can that not be withdrawn?
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Cash ISA to S&S ISA / Pension
I have always been very cautious with my savings, in that they have been held in cash ISA's over the years. I have amassed close to 6 figures in savings (80% held in a fixed term ISA earning 4.91%, which is due to mature in August). I'm 46 and mortgage free. Work part time earning £25k. I have done a fair bit of research…
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Why has Rolls Royce stock gone parabolic in the last few years?
I remember when they did that reverse split, right around covid time to try and prevent the share price from appearing like a penny stock. Now it's up like 2000% it's insane. It's now the UKs 10th most valuable company. Obviously they're a major defence contractor and aviation company, but how did they go from zero to hero…
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Dissenting Shareholder
Hi I’d like some advice about being a dissenting shareholder in a company. I don’t know anything about being a stock or shareholder. I know that I shouldn’t accept financial advice on here but would still like someone who has more expertise than myself to offer their thoughts. I have a small number of shares in a company…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
