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Royal Mail Share Offer - I missed the deadline! PLEASE HELP
Hi All, Just logged into my Hargreaves Lansdown trading account to see my Royal Mail shares are now shared in International Distribution services. I tried to see them and was unable. I called Hargreaves Lansdown and was advised that the decline was last week, I had missed it and lost all my money. Is this correct? Can they…
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Investing for a Trust
Hi all, One of my family has just received a large Personal Injury award (read as several millions) and it is in the form of a trust. I am one of the trustees and whilst fairly savvy with finances I'm totally new to trusts. The trust does not earn any interest and we are wanting to put the money to work for the beneficiary…
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30 days rule
Hi forum, I just need some clarification on the 30 days rule in a trading account. Is it any 30 days or is it 30 working days? I sold an investment who's dealing date was 01/10/25 for capital gains tax purposes, and now I wish to purchase the same investment on the 05/11/25. Would this be okay or fall foul of the 30 days…
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Bank of Scotland Savings Acc with ATM Cards
I was doing some googling after receiving my new BoS Current Acc debit card with the forth road bridge on it ,replacing the one I had with the standing stones. I noticed a few different designs ,some of which had Savings written on them. I was wondering which account this was for and how do you get them as I couldnt find…
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What is the best way to invest inheritance?
I am soon to receive a large amount of inheritance from a family member and want to try and be as smart as possible with it. I currently have a mortgaged home which although could do with a bit of an update I don't think this will increase its value so would rather not put money in to this home if the value wouldn't…
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Basket of ITs
I basically have three chunks of share-type investments. An AJ Bell SIPP (Gilts & value ETFs), a Vanguard SIPP (LS75) both deliberately dull. The "racier" chunk is going to be an II ISA that I want to setup as a basket of decently yielding ITs with a regular investment into all of them that's approx the value of 1/12th the…
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Reasons for having to do self assessment.
I am currently not submitting a self assessment to HMRC and would rather not have to, as I believe once you start you have to do it every year. My question is, what are the reasons for having to do one? There seem to be a few grey areas. Obviously if you are above the £3k CGT allowance you will need to file one. I had…
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Ulster Savings
Hi, I have opened an account with them as they offer 4.5%. I've just gone for a savings account and not a current account. Since then, I've been reading a few horror stories online, such as being unable to close the account, interest not being paid, unable to transfer funds to a non Ulster account. Does Ulster just work…
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Best savings account with POA
I have power of attorney over my Mum's accounts. I have £85,000 in the Coventry and Nationwide high interest accounts respectively which have come to an end. I need to transfer to other savings accounts which accept power of attorney. Any recommendations gratefully received!
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5-10 Year Recommendation
What are people's recommendations for a provider and fund for a S&S ISA that has low fees and only needs to try and match inflation over a 5-10 Yr Period. Thanks
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Silver - anyone investing currently? Advice welcome.
I started to buy some Gold Britannias last year, more as a fall back store of wealth if my mainly ISA cash savings collapsed or got majorly hammered due to fiat currency issues, inflationary issues, etc. At the moment these represent maybe 5% of my total 'savings'. While each gold coin has markedly improved in value (or is…
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Cahoot Sunny Day Saver/Simple Saver/Fixed Rate Bonds - Upgrade Available
When I logged into Cahoot the other day, I noticed an upgrade link on my accounts page which I've not seen before. My Sunny Day Saver (interest rate 4.75%) was due to end on the 31st and I was able to upgrade to the latest issue which is 5% so it's possible it's not there all the time, maybe just when an account…
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Selling silver - capital gains tax when no idea about "purchase costs"?
I have some silver bars that have been held for many generations and simply kept in the loft as it is passed down the generations. I plan to sell it soon but I am wondering how the tax for the capital gains is handled in situaitons like mine where its simply been passed down, no original purchase price is known at all etc?
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Strategy for bridging gap to pension
My wife and I (both 52) have a current plan to stop working at 57, use savings for five years, draw on DC pensions for another five years and then live off 2x full state pensions plus 2x LGPS pensions plus AVCs. Our savings are currently comprised of £150k cash, mostly in ISAs, and £330k in Vanguard VLS60. We intend to add…
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Maths: Compund Interest S&S ISA: 100% in 1 or 50% each in 2?
Hi,Calling maths whizzes!I want to autoinvest in two funds using stocks and shares ISAs. I would prefer not to put all my eggs in one basket and use two different ISA providers. However, I'm unsure of how this will affect the compunding interest. Would I get the same compunding if I autoinvest two funds in one S&S ISA as I…
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Savings Interest, Tax and Pension contributions.
I can't seem to find the answer to this so if anyone can help it would be appreciated. I'm a higher rate tax payer (not by a huge amount) and claw back any higher rate tax by paying into a personal pension. I also have savings (mostly ISAs split between me and my wife). I'm aware I have a £500 limit on the interest earned…
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Problems Opening an OakNorth Account
Hi, Has anyone had any difficulty trying to open a Fixed Rate JOINT Savings Account. Edit: OakNorth have sorted out the problem. All solved
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BAYE or SAYE
My employer offers a BAYE and SAYE savings scheme and I can’t work out which is better for me. Buy As You Earn - buy shares before tax and NI contributions. If you hold onto your shares for at least 5 years you won’t need to pay Income Tax or National Insurance on the money you get back. May lose money if share price…
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Considering opening a Cahoot Simple Saver, quick question
I have a Chase Boosted Easy Access account which is due to mature on 28/10/25. I already have a Cahoot Rainy Day Saver account. My question is, if I apply for a Cahoot Simple Saver, will I have to submit ID again, or will they just allow me to open it when I apply and will I get to fund it straight away or will I have to…
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Do transfers to new ISA’s break the rules if done more than once in a tax year?
I had a maturing ISA in July and transferred the money to a new S&S ISA that I had not previously fed with money. I have another ISA maturing this month. Can I transfer the money in that to another new ISA this year?
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