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Santander Edge Saving account.
Just discovered a quick hack for anyone with an Edge Savings Account with Santander. If you have had your account for over a year your interest rate will have dropped from 6% down to 4%. Here is the hack........Close the account and then open a new Edge Savings Account. This will boost your interest back up to 6% for…
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£1500 to invest
Hi All I have £1500 I can afford to invest mid to long
term, my bank NatWest has an `adventurous` fund I was thinking of going with,
and plan to fund it £50-100 p/m depending Is there any other options I could look at Well aware its peanuts to most! Thanks
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Sell or not Sell abrdn shares
Hi all i got free standard life shares when they changed from a mutual. I opted for the Drip method when I receive the 6 monthly dividend. I have approximately 7700 shares and receive approximately £500 in annual dividends. They seem to be stable dividends. My options either sell then now and receive approximately £7500 ,…
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Cahoot to Edge saver..
Would it be possible to fund a Edge saver from a Cahoot sunny day saver account?
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Royal London Short Term Money Market Fund Y Acc
I am thinking of putting a lump sum from a pension transfer into this whilst I trickle it into longer term investments over the next 6 months. I was wondering though whether the interest is calculated daily, monthly or another period, so for exmaple if I withdraw after a few weeks whether I will loose interest? I am trying…
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Demutualisation shares in 1990s/2000
Hi Getting to an age where it's time to get my affairs in order. Back in the 1990s/2000s I received a few demutualisation shares in Norwich Union, Standard Life and Woolwich which I still hold as Aviva, Abrdn and Barclays respectively. I can't find any documentation I will have received in respect of the demutualisations…
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Trading 212 Invest : Polite warning if holding only cash.
Like many, I have been holding a lot in cash in the Invest section to get a better interest rate. They're obviously getting wise to this and I got the following by email this morning Keep your benefits active Hi XXXXX XXXXXX We noticed you haven't traded for a while, yet you are still earning interest on your cash. We…
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New Moneybox account
Does anyone else see it as a massive red flag that moneybox require you to verify your identity before setting up your account .... by replying to an email with your passport photo!? I'm always skeptical starting a new job or signing up to things where they use a 3rd party "safe" provider for these things .. but this is…
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Capital gains tax pages in self assessment -questions on the calulation details required
I need to complete the capital gains pages in the self assessment for 24/25, so inputting the calculation details for each of the asset disposals I have made during the tax year. I have no CGT to pay but the disposals were > £50k so I still need to complete. My questions are: - I have made multiple purchases at various…
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Best low cost share dealing platform
I want to sell some of my holdings in an investment trust. It's a pretty small amount, probably a third of the shares, a deal worth a few hundred pounds. Given the amounts, I don't want to spend more than £25 (and preferably less than that). It is also a one-off. Looking at MSE's list of share-dealing platforms, it seems…
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I'm annoyed with NS and I
I'm also annoyed with myself for not reading the small print. My son was born in May 2005, ever since then I have been saving money into premium bonds for him. His holders number account was linked to mine so went I logged into my NS and I I could also see his premium bond saving. I targeted £1k a year to pay in when I got…
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Money market ETF recommendation
Hello, I topped up my 20k allowance on my Barclays Smart Investor ISA. Now I need to invest this. I do not want exposure to stocks as I have plenty. Can you recommend me a low fee money market fund that will basically earn me the risk-free rate? I don't want to get REKT by fees though Many thanks
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Are Fintech’s worth it? Over established banks.
Following the great rate that Plum offered on their cash isa I opened one and put a sizeable amount into them. A year ok I’m looking to move to a better rate and oh my what a faff it turns out that as Plum (and allegedly other FinTechs) don’t have the same establishment as high street banks - the process for transfers is…
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Anyone experience with Blevins Franks?
Hi there, as the title says, I am looking for people having used in the past or currently using Blevin Franks https://www.blevinsfranks.com/ Would be great if you could share your experiences, good or bad, how they compare to others and how their cost/service aligns. If you don't want to share in public, feel free to PM…
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HL treasury bills
Hi thinking of applying for large chunk of treasury bills do they work in same way as gilts as in any gains will not be subject to CGT ? As I am well over my PSA looking for ways to shelter money this tax year to avoid tax and doing a SA. Will this work ?
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Castle Trust Bank
Before applying to CTB, I have checked that most posters have no issues with CTB, I want to check this is still the case, before going further with them, as I have expeirenced the below: On 8 May, I did a Castle Trust Bank online application, part of the process was to get a verified code via email or text. As I did not…
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Foreign pages on SA - questions on foreign stock holdings
I am completing my self assessment for 24/25 and need to complete the foreign pages. I have some questions on 2 companies I own - BABA which is an ADR traded in the US and Brookfield (BN) which is traded in the US as a common stock. Both in a GIA account. 1) for BABA there is dividend paid out and an ADR fee taken from…
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My child is not ready to receive their Child Trust Fund (CTF) - What next?
Hi all, So my daughter received the free £250 Government trust fund cheque when she was born, and ever since then I have been adding to it with regular monthly payments and any cash she received from Chirstmas and birthdays. Now she is soon approaching 18 and I understand the she will now receive these funds either on her…
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West Brom BS Security
Should I be concerned by the apparent lack of online banking security on the West Brom BS website? To login, all you need is account number, date of birth and a 4 digit PIN.There is no password, memorable information or two factor authentication.
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Virgin Money Defined Access E-Saver 4.76%
I'm sure this will be because of my lack of knowledge / experience but .... Called into my local branch today to ask about the above account which has an option to pay interest monthly. The lady tells me that if I opt for the monthly interest then that will count as as withdrawal so after 3 months the rate would drop to…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Cash ISAs: The Best Currently Available List by jungleboy123
24 October at 8:55PM
