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Hargreaves Lansdown active savings
I have a Sipp and ISA with HL and today noticed the Active savings hub, basically you can have various savings accounts via this hub so you can just use one log in. They have an Easy access account with Allica paying 4.4% currently, so for 5 minutes faffing online, our joint EA account paying less than 2% is now in there…
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Bonds vs Equities
This is what a friend said "Given my age most of my investments are now in bonds as opposed to equities".I have never invested in bonds, still very much saving equities in a SIPP. Assuming what he said is good advice, at what age should we be investing in bonds, at least more than 50%? I don't know how old my friend is,…
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Tandem Verification
Is anyone else having a really slow verification with Tandem? I signed up over a week ago and it's just sat there on "We're still trying to verify your identity". I tried emailing them and have so far received no response. I've also tried ringing them but after being in the queue for 10 minutes gave up.
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Inheritance
Hi all, I am looking for advice for my parents. They are in their late 70s. They are very fortunate to own their own home and have a couple rental properties. They are about the draw their state pensions but on advice, are not drawing private pensions as they 1. Don’t need the money and 2. They have been told this ‘pot’…
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Cumberland BS reinvested bond without warning in another fixed bond - any recourse?
My mother-in-law is elderly but still very with it and is very good with her paperwork. She had some money invested in a fixed bond in the Cumberland fixed until 12th August. She thought that if she went up on 12th August she could transfer it into an easy access account prior to fixing it in an ISA at a much better rate.…
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£20k spread ideas?
I'm fortunate enough to have £20k savings, and have opened 2,3,4,&5yr fixed rate bonds with RCI, mixture of 6% and 5.8%. Should I do an equal spread across all four, or is there a better method? Thanks
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Recognise Bank - poor onboarding code
I'm never convinced to invest in a company that has a poorly programmed on boarding process, each of the three security questions are only accepted if the answer is one word and if that is the name of a favorite book or film is a little limited. Has anyone else had the same experience?
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Regular Savers - are they worth it?
Hello, I’m sorry if this is a silly question or if it’s been asked before, but I’m wondering if regular savers are actually worth it when easy access savers are offering high rates. I have an easy access saver that will offer 4.02% gross interest from the 14th August, while I also save into a 7% regular saver and a 5.5%…
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Cynergy fixed 1 year, what a hassle
ive opened numerous accounts with numerous banks but this cynergy one has been the most hassle . the usual questionaire, no problem, then you have about 3 different passwords and security codes plus an app you have to download on a seperate device to scan the screen, plus sms text codes for this, and then the thing doesnt…
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Premium Bonds Question
After eight consecutive wins on my £50k set o premium bonds I have just had two months with zero wins Is it worth cashing in my PBs and buying new PBs with the hope of kick starting my winning streak again Or is this pointless With interest rates on easy access savers currently above 4.5% is it better to go for this option
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Tax on Savings Interest.
Should the Government consider removing or increasing the amount of interest which can be earned in savings before it attracts tax? At this time the maximum which can be earned is £1000pa for basic rate tax payers and £500pa for higher rate payers. Such a move would help mortgage borrowers whose interest rates have…
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Shawbrook Messages?
Has anyone received messages from Shawbrook this week? I have sent 3 x secure messages to them and have had no reply since Monday...very unlike them the nomally reply within a few hours of sending messages :/
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Government rejects Martin Lewis' call to help 80,000 teens unlock Child Trust Funds
The Minister for Children, Families and Wellbeing, Claire Coutinho MP, has rejected Martin Lewis' call to help 80,000 teens with special educational needs or disabilities unlock their Child Trust Fund money. The MoneySavingExpert.com founder wrote to the Minister about the problem but she's written back... and said no...…
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Interest taxed at maturity unfair
With interest rates finally rising to a level that makes it worth putting cash into a savings account, I am staggered that MSE (Martin) have not got involved in asking HMRC to change their guidance, that says interest is declared at maturity and NOT according to the annual interest certificates that we receive. If you go…
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Good UK/ISA-friendly fund discussion sites/Peter Lynch/PEG style fund
Hopefully the right place to post this. I did post under ISAs - but told wrong place. I've always invested in individual shares, but I want to put some of it into funds. I've been trying to find something I can buy in an ISA* (and/or SIPP*) that emulates a Peter Lynch* PEG* approach (Price / Earnings / Growth% ratio)…
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£151 k to invest, advice please
When I retire shortly I am fortunate to have a pension pot which will keep us in our quite modest life style, I have are two other pension pots, one is small and will do for changing the car out in a few years time or something similar, the other is £151k. I understand that I can leave then £151k in the company pension…
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Vanguard verification text
Hi All, First time trying to log in with a verification code. No text coming through - anyone else having the same problem?
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Why can't all banks be like Secure Trust Bank?
I found Secure Trust Bank via the MSE savings table. I'd never heard of them before but saw that savings were covered by the FSCS, the rate was good and interest monthly so thought I'd give them a go. Honestly, I'm amazed just how good they have been. So far they've contacted me three times since the end of June to say…
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Interest in Saving Account
Hi everyone, Following this post I found on Money Saving Expert detailed below - does anyone
know whether the interest accumulated in the normal saving accounts would have
to be below the PSA before moving the sum back into an ISA? For example,
let's say you earned £1,500 in interest which will be over your Personal…
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NS&I not returning money
My father passed away in April and I contacted to have his premium bonds money returned to my mother who is 96 and not capable of dealing with this.it is now 3 months and nothing they keep telling me it will be soon but nothing every happens.I have filled in every form they have sent ,shown proof of death and now reported…
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