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FirstBank - any good?
Hi I'm considering a FirstBank 2 year fixed rate bond. They are in the MSE 'What We'd Go For' recommendations (and FSE protected) but the Trustpilot reviews for this bank are poor and their website has a distinctly amateurish look about it! Anyone got any direct experience of a bond with this company? Or tips to impart?…
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Tax on savings
I'm a basic rate taxpayer but my better half doesn't work. I'm likely to inherit money from my late mothers estate. It's big for us, probably likely to be about £75k. My question is could my wife invest it in savings and therefor not pay tax on the interest or would we fall foul of HMRC. I'm thankfully now debt free so…
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Wisdomtree DEM ETF dividend currency
Can someone
please clarify the dividend frequency and currency of DEM, Wisdomtree EM Equity
Income ETF. ISIN IE00BQQ3Q067 is priced in Sterling (I would buy it on Interactive
Investor) but the dividend announcement on the LSE
website shows a USD distribution. dividenddata.co.uk
likewise shows USD distributions (quarterly,…
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If you inherited £20k, what would you do with it?
For context- when my Grandad passed, money from the sale of his house was put into a Trust, ready for me when I turned 21. I have used a large proportion of this money for a deposit on a house, and so I now have roughly £20k left over. I have an additional £5.5k invested into a Trading 212 Stocks ISA, investing into the…
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Regular Savings Accounts: The Best Currently Available List!
The information from the first page of this thread has now moved to a thread maintained by Bridlington1 instead. You can follow this link to find it: The Top Regular Savers Discussion Thread — MoneySavingExpert Forum
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£125 for existing Raisin customers who put at least £10,000 in a fixed-rate bond
You need to have an active savings account https://www.raisin.co.uk/summer-loyalty-bonus/
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Virgin Regular Saver Glitch - one application opened two accounts
I applied for the current issue regular saver online, at the end of that process it said something like "we need to check some details". This morning I had two messages, by email it said .. "Good news, we have an update on your Regular Saver Exclusive Issue 3 application.All you have to do is sign in to your application…
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Capital gains tax and state pension in self assessment.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Tax on income and savings
My salary takes me over the 40% tax bracket as I earn £51890 per annum. I do a salary sacrifice into a DC pension which is 10% of my salary and amounts to £5189 per annum. This makes my taxable salary £46701, i.e. 20% tax payer. My question is - am I a 20% tax payer with regards to interest on savings because of the above,…
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Savings Platforms - Worth It?
Just spent the morning investigating savings platforms and noticed, on average, a significantly lower interest rate offered compared to saving directly with the bank/building society, ranging from 0.1% to 0.8%. Whilst I didn't check every single account offered by every savings platform (and some didn't show such details…
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Raisin interest
I had a 3year savings account with Raisin which matured today, the interest has been paid out to my holding account yearly. What I can't understand is why each year the interest has been different. Year 1 £750, Year 2 £756 and Year 3 £747.95 The lump sum on day one was £15,000.
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Can't seem to buy Vanguard Sterling Short Term MMF Income
EDIT I'm a numpty just looking again I forgot there was a slider to show funds that pay you an income 😂😂🤦♀️🤦♀️🤦♀️ I've got existing holdings in the Income version, but going to top up or buy more, I have to go through all the bonds & ETFs available and only the Acc version is now available - is this something othes have…
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Bond fund to replace VLS
Hi, I am looking to move one of my investments (Vanguard Lifestrategy 80 Acc within an ISA) into a Bond fund. I have decided that with the recent good increases in equities, I decided to reduce or remove equities from this particular investment. I have looked at VLS 20 as an easy option, but ideally I would like to move…
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Moved: ASDA travel money card scams!
This discussion has been moved.
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Share registrar help
I hold power of attorney for an ageing parent. During an estate transfer, they were to receive a considerable shareholding via a well-known registrar. However the registrar sent the shares (somewhere?) against our instructions, then told us they'd sent thelm to the lawyer, then told the lawyer they'd sent them to us. This…
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State Pension and self assessment for capital gains tax.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in
a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Capital gains tax calculation
Hi everyone, I have a sharesave, does not mature until next year so I realise a lot of things could change including isa limits and the share price. According to the policy document, I will need to pay CGT. its a £10,800 investment over 3 years at £300 a month. Currently the investment is £38,600 based on the share price.…
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Trading 212 Invest
Could someone help with my fuddled brain please Both myself and OH have maxed out our ISA allowance for this year, some of which is in cash and some S&S. We have a decent emergency fund in cash earning 4.75% variable (Zopa) and full holdings of premium bonds. I have a fixed rate saver due to mature soon (£10000) and…
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Which SIPP platforms give immediate tax relief?
When I was on the Aviva platform (IPP) if I made a personal contribution, I got a tax relief credited immediately so I was able to buy additional units at the current price. On the interactive investor platform I got notified it will be 6 to 8 weeks for the tax relief to appear in my account, so I cannot buy additional…
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nsandi site
Anyone else unable to get onto the nsandi site?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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165.6K comments
Most recent: Cash ISAs: The Best Currently Available List by roked
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