Savings & investments

I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…

Good Morning. I have been investing a while now but only ever invested into my stocks isa. Soon im going to have a large lump sum to invest. Long story short after maxing my isa contributions some to my SIPP my next route is a GIA. I have never used one of these although I know they are the same but Its now the Tax rapper…

I need a very simple explanation, which I can't find out via Google. I struggle with numbers etc, as I have Dyscalculia. So I really need an idiot proof reply. I have 5 shares called Barclays Ordinary Shares of 25p each. I've had them for a years, and assumed they are worth 25p. I've just noticed that it says 393.08p on…

Hi everyone, My Dad passed away a few weeks ago and I’m helping my 74-year-old Mum sort out her finances. I’ve done some research based on the latest MSE guides, but I’d love a sanity check from the community to make sure I’m not missing a trick. Her Situation: Funds: £18k lump sum, currently sitting in Barclays current…

hi I need some advice on where to invest my capital. I'm 55. I've been retired for three years. I now get about £800 a month from a LGPS pension which more than covers my bills and day-to-day expenses. I currently have about 380K in capital that is split between investco BIPS, VLS80 and short-term money market. I also have…

ive posted here before and have been reading a lot , gaining confidence in investing after a late start at 50. I have most of my money in HSBC global balanced fund and was happy with that but didnt realise how concentrated (seemingly as most global trackers are) in tech in the US. Fine if youve already seen the upside but…

Despite making a good start to the year in recovering a bit of its downward trend, partly maybe because of the first tender offer , Impax has lost 10% in the last month, 1.5% in the last week. With the war appearing to overall be escalating despite Trumps assurances of near deals etc , how wise or not do folk think is it…

Hello everyone, I'm hoping to get a bit of advice. I'm currently an additional rate taxpayer as I work as a contractor which means a relatively high day rate but no pension/annual leave etc (I put a good % into a private pension to reduce tax). I have a 3 year old daughter who is currently at the pre-school (nursery…

Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…

I will be investing in index funds (OEICs) using my cash ISA (37.5%) and cash (62.5%). My plan is to use the entire cash ISA to invest in one Income (INC) fund, in case I need to replenish my cash ladder. (I hope my other plan works; if so, I can keep the income reinvested, even though Interactive Investor (ii) charges a…

Ethical ISA investment — sanity check appreciated I'm 52 with a ~10-15 year horizon. I have £74k sitting in underperforming cash ISAs, backed by £50k in Premium Bonds as a safety buffer. I want to move the ISA money into a stocks and shares ISA — long-term equities. I have hippy tendencies so won't fund weapons, fossil…

My IFA wants to transfer my holdings from Transact to Seven Investment Management (7IM). I understand the reasoning, but I have never heard of 7IM. Anyone got any experience of these guys? www.7im.co.uk Thanks!

With the rises in inflation that we are going to see in the near future, and the probable rises in interest rates that this will bring are any of you putting off putting cash in fixed term deals? Also with the ISA allowance coming up again in a couple of weeks would you hold the trigger on them also? I would normally take…

Our daughter has a Junior ISA maturing and we want her to transfer this to another account. The money is a university fund and what we would like to happen is to have a savings account that can be set up to automatically transfer money out via a standing order. We want the money to go into her current account as if it is a…

Hi Have a large inheritance invested for my future im 53 (with Quilter) stocks and shares Isa paying 7% into my pension which my work match mortgage free no family Tesco shares £11k approx Now I have £20k to invest £10 in Atom 1yr £5k in a virgin 2.9% higher rate ended £2k in everyday virgin account which my wages go into…

I am sure this is similar to other posts but this is specific to my circumstances. I have two children and want any money given to them to grow well. They are 8 and obviously thinking about stocks & shares JISA. I have seen that Hargreaves Lansdown have zero fees and you can choose a fund category based on risk level. I…

Lucky enough to have come into significant cash around £200k mark. I am looking for a short-medium term place to store this, my ISA this year and from April will easily be 20k'ed by these monies, and I have already got £50k maxed in Premium Bonds as I'm sadly a 40% taxpayer. No mortgage, my employer pays significant…

This discussion was created from comments split from: The Top Regular Savers Discussion Thread.

I completed an in specie transfer this week of a stocks snd shares isa. My account had a value of around 23k, but when transfer took place they put price as £197.96. It is the Global All Cap which has never been as low as this. They have said the price doesnt matter it is the units that count,but how can I know the units…

Hot on the heels of Hanley Economic's recent poor form in forgetting to send out an email notification of interest rate reductions (coupled with poor grammar in the email they sent after realising their mistake- "should of" instead of "should have" and a complaints manager who seemed upset by people having the nerve to…