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Mid year pay rise moving to higher income tax rate. What effect on interest earnings?
Hi all! I'm a teacher and my current salary puts me on the standard income tax rate currently. If all goes well this year, I'll be getting a pay rise so I'll be earning just below the higher income tax rate, by £50 or so. This means I'll be able to earn £1000 of interest tax free, which I've already planned out with my…
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New year portfolio tidy-up
My etf portfolio has got pretty unbalanced as I've not been keeping an eye on it this year. I will need to rebalance soon. I am also thinking of taking the opprtunity to potentially do a bit of tidying up, particularly the bond part. I currently hold these bond etfs with these corresponding target allocations (which have…
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Self assessment for a non-worker with interest under £10k
Hi there. My partner will be paid around £9.5k in interest this tax year. She receives no other income, does not work and does not claim any state benefits or pension. Does she need to complete a self-assessment tax return for 2025-26? My understanding is that if total interest is under £10k then you don’t complete a…
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Saving for granddaughter, have I missed anything?
Hi We're currently squirreling a bit away each month for our granddaughter who will be 3 in Feb. Plan is to give it to her when she's 18. We've just been putting it in a high interest easy access savings account up until now and she's got about £2K. The plan is to add £60/£70 a month to this for the next 15 years. My…
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Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
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Will HMRC check the untaxed interest that I have given them?
On 7 December 2025 HMRC issued my P800 for 2024/25 with an untaxed interest amount of £666. This figure was incorrect and I phoned them the next day. We compared their actual figures with mine and discovered that they didn't have anything from RBS, Naitonwide and First Direct. The revised interest was £1,195 and their…
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Fixed rate accounts
My Father in law has Dementia and is in a care home, my wife has both lasting power of attorney, so she has access to his bank account. We hope to complete on the sale of his bungalow early January, so, around £280k will go into his current account, so I was thinking about opening a fixed rate ISA and some fixed rate…
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Nationwide e-savings
I recently moved £1k to my Nationwide e-savings account, thinking it would be a higher interest rate.But I have just looked, and e-savings = 1.1% whilst the normal flex account is 2.5%Is this just deliberate to catch people out?In case of fraud etc, you wouldn't keep excessive amounts in your ordinary account
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Investing - Where's the pot of gold?
I'm dubiously looking into investments instead of saving. Everyone says investments beat savings given a long view. The number one question is, how much do they pay? One or two sources describe 2% - 4% or 2% - 6% as a 'strong yield', at least for income investments. Then I looked at Hargreaves Lansdown's platform (as I…
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Iweb SSLV issue ..
Last Monday thought to check in on the small amount of SSLV I hold on my iweb account and noticed that I am no longer able to buy on the platform just sell ... Not too sure when this change came , is this something to worry about ?
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Money laundering regulations
Over the years, my Limited Company has invested in around 17 different manged funds. I have recently started receiving "Money laundering" forms to be completed, with the latest being from AXA Investment Managers and also on behalf of AXA, from a company called BNP PARIBAS Asset Management, who I have never heard of! 19…
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16 year old's inheritance monies
I'm hoping someone can offer some advice. My 16 year old has been left monies (approx 30k) from my late mother's inheritance. As they are a minor I have opened a Children's Trust Saver account with Skipton for them. Do I have to register this account with HMRC or would it be excluded? Could I deposit 9k of the monies into…
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Interactive Investor Advice/Managed Portfolios
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…
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Trust Fund Help
Hi, My Son just turned 18 and My Mum had a trust fund set up. My Son went to the bank to transfer the money to His account, The bank wouldn't do it unless my Mum is their, Problem is she is 80 years old and can hardly walk, So how do I get round this? I also have two younger kids 10yo and 12yo and they also have trust…
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Moved: 2026 - 52 Week Envelope Challenge
This discussion has been moved.
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Risk Management in 2026
Interesting and potentially useful comments about investment risk management in 2026, from the CIO at Morgan Stanley, intended for their wealth management clients. Portfolio Moves to Consider Investors should remember that bull markets are meant to be ridden, not timed. That means: focus on staying invested, rather than…
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Big time cheesed off!
I opened an easy access account with MONUMENT Bank, and today found out for MYSELF through this the App is down! I was about to complain to them , thinking I’d been scammed AGAIN! Already had to change from one bank to another. Fraud team don’t answer either! I cannot login and they’ve got my phone no. WRONG too! How can I…
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How best to deal with Santander Reg Savers
Looking to switch away main joint CA from Santander, but we have a regular saver each with a few months contributions in, which don't mature until June. Assume we can't keep these if we switch away, so what's the easiest way to deal with them. Allow them to be closed automatically? Withdraw the balance and request closure…
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Are Boost payments taxable
As this title says are boost payments taxable. The reason I ask is I have a couple of savings accounts which have these and have just noticed that on the prosper app it is saying the following for the Santander 3 month fixed account: The boost payment is not treated as interest by HMRC and is instead treated like a…
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Co-Op Bank Monthly Bond Interest.
I have a few bonds and the monthly interest is always paid on the anniversary of account opening each month and the Co-Op one is the same , however it never gets paid on the day . The fist one was 2 days after the anniversary and this month nothing yet. Supposed be the 23rd , nothing on the 24th and obviously now being…
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