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Mad to buy VWRP or VUAG for 10 yr horizon in SIPP?
Really want to take
advantage of the current market drop, can anyone recommend a low cost Vanguard investment with the cash (30% of PF) in my Vanguard Sipp? Going to
invest for about 10 years. This small Sipp
is surplus as I have a DB pension and some cash. I already hold Global trackers eg VVDVWE & VEVE in 60% of this…
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Pension crisis!!
Hi, Really hoping you can advise me on the following. I am currently 66 years old and planned to retire at 68 in May
(13months away) my private pension has lost £24k in the last 4 weeks (Some 15%) so I am in panic mode, My workplace pension has only dropped some 2%, should I transfer over? I have tried to
contact them to…
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Personal Savings Allowance not deducted from income on self assessment
Why has my self assessment not applied my personal savings allowance, which I believe should be £1,000 as a basic rate tax payer, to my tax calculation? All the savings interest I have declared has been added to my income, with 0% deduction applied to the amount. My total earnings are approximately £26,000, with…
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Error on HMRC personal account for tax paid 23/24
Hi - has anyone noticed that when they log into their HMRC personal account it says that not enough tax has been paid for the year 23/24 even though for the last few months it said that the correct amount of tax had been paid? The next page says 'There is a problem and the amount you owe may not include any recent payments…
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Are Vanquis Banks current savings rates worth a punt?
Vanquis Bank appear to be offering some great savings rates at the moment (eg. 5.21% for 1 Year fix) but MSE doesn't appear to be picking them up in their best rates tables. Anyone have any thoughts on the Banks viability and if they are worth going for...?
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Child Inheritance
Please could someone advise, my son is about to inherit £10,000. My thoughts were to put £9,000 into a JISA, and the remainder into a child savings account. Are there any such savings accounts that are locked with no withdrawals until the child reaches 18? Or are there any other solutions? Look forward to the replies
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Family Building Society
Is anyone else having problems logging in since they have started upgrading their online service? I can input all security details but it then fails to let me in, saying “too many redirects” - always a bit worrying! I know it says use a PC or laptop but I’ve always used a tablet with no problems and am reluctant to buy a…
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NS&I OTC (One Time Code) Problems Anyone ?
Last night I made several transfers to my Direct Saver account and afterwards I tried to log in on NS&I to check whether the transfers had been successful... I was then presented the "Add trusted device" screen, despite the fact that I use the device to log in monthly to check my premium bond wins etc. So, annoyingly, I…
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Is it safe for a US bank to hold my savings?
Absolutely not being political here. With everything happening in America atm I’m genuinely concerned about the safety of my savings (Marcus Bank) and was considering moving them to a UK/European bank. thoughts?
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CGT 30 day rule in a see-sawing market
I wanted to check if my understanding of how the 30 day rule for CGT works is correct.Let us say that I buy shares for £20,000. 3 months later, the price has not moved and I sell these shares for £20,000. A couple of weeks later, the price falls and I re-buy those same shares for £18,000. Six months later, I sell the…
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Vanguard UK website problems
The Vanguard UK website seems to be having severe problems today: most parts of the client area are failing to load most of the time with various errors. Clearly under heavy load as many people seek to review their portfolios, sell, or buy, as appropriate, depending on their feelings about the general chaos this morning.…
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Trading 212 US Tax Form
I was trying to get that free shares MSE40 offer. After opening the share account they're suddenly saying that due to a change in my information I need to fill in a form with the US IRS. I guess I must have screwed up and ticket something to suggest I have a US connection, or aren't a UK resident. T212 say I should take…
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Old shares any ideas to see if they are still valid?
Hi, just joined the forum I am trying to see if some old family shares are still valid after sadly family member passed away and I have been left with some old paperwork describing shares in a business called 'The Grimsby fish meal company ' on companies house it looks dormant so.. not sure if that ship has sailed…
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Withdrawing online from a Coventry Building Society Access Saver account
Hello, If I make a withdrawal this evening or tomorrow (Sunday) from my Coventry Building Society 4 Access Saver, when will the funds be available in my nominated bank account(Halifax) please? Thank you
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S&S Query
Hi All, I think like most people I am focused on the stock market at the moment and this is my first experience of real volatility. I have £17k (£20k before the decline) invested in Vanguard with the following fund, My investment is within an ISA wrapper. LifeStrategy® 100% Equity Fund - Accumulation I recognise that it's…
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Who's has been buying today?
Slightly nervous dropping a few grand into funds today, but I'm playing the long game.
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Moved: Sorting...
This discussion has been moved.
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At what point to stop investing (new money)?
As I have a habit of having my questions misunderstood - I'm asking at what point to stop paying in (S&S ISA / SIPP for example), not at what point should you pull all your money out. My mother is unemployed due to disability and is approaching her mid 60s. She has some thousands in cash savings. She had no retirement plan…
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Paying Income Tax on Savings Question
Due to an anomaly of my finances last tax year is the first (and will be the only) year I have been (just) over the £500 threshold for declaring interest on my savings in order to be taxed so I'm a newbie. I am a higher tax payer in theory as my salary is over the threshold but I don't actually pay anything at the higher…
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Best Regular Saver feeder accounts
I'm trying to find the best interest paying Easy Access savings accounts that allow repeat (preferably automatic rather than manual) withdrawals to feed the dozen+ Regular Saver accounts I have. This information used to be easy to find through forum searches a year so ago, but I've drawn a blank recently. Have I just been…
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