Savings & investments

I've a fixed bond maturing with Ford Money on the 6th April 26. They have asked for my maturity instructions. I want the money transferred to my bank account so I can move it elsewhere. The drop down menu on their on-line account doesn’t allow for this. Although the written instructions say it’s an option. The drop down…

Hi there, I have found 2 Unit Trust certificates (Pearl Unit Trusts) in my mum's name - she died 5 years ago. I have no idea what these are and how to proceed if there is a monetary value to them. It seems that Pearl Unit Trusts no longer exist. Any advice greatly appreciated. Thank you.

Hi all. Some platforms don't show the charges & restrictions that they impose on you and your cash until you learn the hard way when you want to take uninvested cash out & then they inform via a brief info that it's 4 business days, I guess that would be 6 if a wknd is involved so investment platforms aren't like banks…

Hi, I'm new to this group and not sure if I'm posting in the right forum! Please let me know if I'm not. We have money in a Barclays account but also wish to set up Chase and Trading 212 Cash ISAs in this financial year. We know that Barclays is a banking partner to both Chase and Trading 212 and therefore would like to…

Whats the general opinion on interest rate changes on Thursday.....up, down or no change ?

Hi there I am struggling to understand tax implications of selling my long term incentive shares that are about to vest and wondered if someone can help me please. I have quite a number of shares in the company I work for already. The latest LTI award I was given as part of my bonus 3 years ago is about to vest. My…

I posted on the forum at the back end of 2024 - I can't figure out how to link to that thread sorry! But in short, I received a sum of money as a gift (£30k) and the plan was to use this as a deposit for a house purchase, so I was looking for somewhere to put it to maximise any interest for a short period of time. Those…

Hi, is it the case now that the government is starting taxing ISA's over 20,000 in some circumstances if there are moved from one ISA provider to another, that is the interest will not be protected from tax relief? Thanks for any help

Currently have cash ISA with Tembo whic I am very unhappy with due to them having 2 working days delay in processing withdrawals and also them not providing instantly available bank statements. I am looking for either regular instant access savings account or an ISA without the above mentioned nonsenses. Also not keen…

I know this will vary depending on volume and possibly individual fund and certainly on the sending platform but would anyone have any recent experience of transferring an ISA or GIA to II please? In my case it would be from IWEB/Scottish Widdows.

I have a gambling addiction and am looking to put my savings in an account that does allow cash withdrawals from an ATM. Have spoken to chase earlier and they can't put restrictions on my debit card so can easily obtain £500 per day which I have done recently. Any help would be much appreciated. TIA.

Ideally, I'd like to close my Cahoot Simple Saver account on April 5th and get the interest for it then, and then use the money to open an account with a different provider, who pay interest on the account anniversary, on the 6th April - pushing the future interest into the 27-28 tax year. But … April 5th is Easter Sunday.…

just opened their latest easy access account which pays a bonus for a year, so ditch and switch in 12 months unless something better comes along. Unlimited withdrawals unlike Coventry. Have used Cynergy for years with no issues.

Thank you for all the replies to my previous posts so far and had helped me to reach this stage. But I am still nervous about investing and it’s finally time to invest. (I had used an IFA for a long time.) With 12 years till SP age which will give me a little more to spend. I have an old work pension worth about £100,000…

Hello All, A year ago, and following HRMC rules, i sent them a letter to claim for some losses materialised on the 2020/2021 tax year. As I didnt filled a tax return that year (didnt need to), the option left was to send them a letter with the deatils and calculations for the year. I did all of this, and sent the letter to…

Hello All, As the financial year is approaching, I have been doing some calculations. Currently, I have some capital gains for this year over the personal allowance of £3000 due to shares sold through the year. In order to go under this threashold for the year, and avoid (delay) paying taxes, I was thinking about selling…

Hello All, I own some share sin a company, not UK based, which issued some shares as a dividend. This "dividend" was paid as shares, and you had the choice of either keeping thiese share rights, or selling them to get the dividend. I chose to keep the share rights, so I got a few shares extra added to my current position…

We are now two weeks into the latest bout of markets upheaval and doubtless some are fretting. We recently had a lengthy discussion about the merits of selling USA and buying Asia/EM plus separate discussions about derisking portfolio's because of a potentially overvalued Tech Sector. Within the context of those topics,…

My wife and I were under the impression that if one was to opt for a fixed term savings account where you opt to have interest paid at maturity then interest earned would from this account only be considered as income in the tax year when maturity occurs. We understand that savings providers have a duty to report to HMRC…

##resolved## A bit of a strange one, I’ve tried to transfer out a bit of cash this morning from my edge saver account and the app doesn’t bring up the account as an option on the pay screen. Do other people have the same problem? I can see the account in my account list, and I can see the transactions. But then go to pay &…