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Selling Gilts To Take PCLS
I'm 10 years short of state pension age (in 2035) and in all probability won't be earning much more to add to ISAs or pension. 2 years ago I constructed a gilt ladder in my SIPP, ostensibly to fund expenditure until state pension age, buying nominal bonds maturing from 2028 to 2036 with yields to maturity ranging from 4.5%…
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Best savings accounts for American Expats
Amercians banking in the UK must use Foreign Account Tax Compliance Act (FACTA) approved banks. Not only must they be approved, they must be willing to do the paperwork. Many are. For example Lloyds Bank and Principality Building Society. Some appear not to, for example Cahoot. The best cash ISA I've found is Principality…
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Savings/Investment Advice
Good evening. My ex and I are selling the house that we shared when we were together. There is some equity in the property that we still be splitting. I do not need to purchase a new property as I will be moving in with my girlfriend. I would like to know what is best to do with the money I received from the sale of the…
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What to do ???
A couple of weeks ago I asked the question what I should do with £41,000. My young grandson 29 hopes to buy a house next year, Buying a house is difficult for young people as nowadays as they will need a substantial deposit ?? I have no idea how much of a deposit they have or how much any properties they are looking at…
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NS&I frustrations - Grrrrh
I've just tried to register for an NS&I account to buy premium bonds. Once I realised (following help from this forum) that the Chrome browser seems to be the way to avoid the 'you've been logged out as you pressed the back button' IT glitch, they've still left unresolved for years, I actually managed to register. But...…
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Savings and Tax Threshold.
Hi, I would be grateful for any thoughts on the following I have a pension and some savings -not ISA. I am on the full tax threshold tax code, £12500. My annual pension and savings interest income do not exceed the threshold. However HMRC have just reduced my threshold by £400 and changed the tax code. What am i missing…
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Stocks and shares
This is a savings section and I need to talk about stocks and shares.
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Woolwich Shares
My wife passed away last September, and as part of the "sorting out the paperwork" process, I found a Woolwich share certificate in her name. Unfortunately, no other Woolwich paperwork, just the certificate showing 450 shares. She also had 232 Barclays shares. Am I right in thinking that the Woolwich shares were converted…
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Matured Junior Cash ISA with Tesco Bank
My son turned 18 and he can finally have access to his money. (It started as a CTF, back in 2003, and has moved to a Junior Cash ISA with Coventry, then NS&I and finally Tesco Bank.) He phoned up to ask that it be transferred to their best Savings account, but they will not do anything without him proving his identity, via…
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State pension and Saving starter rate
For every £1 state pension eventually goes over £12570 your starter savings rate (£5000) will reduce by £1 . So in effect the extra 3 years of freezing personal allowance by Reeves and this shambles will end up making pensioners with very small savings and solely on state pension pay tax . I hope Martin brings this up the…
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you pay no tax on interest if your income is less than £17570
why does martin never mention the following on his programme i have just watched the savings special and he never mentioned it...my pension is below £17570 my only income.…
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3 requirements for platform
Can anyone recommend a non app only platforms for 3 functions? 1. Buying shares in a handful of companies " I like the look of of" 2. Buying a s and s isa with a global tracker fund 3. Bringing together a few pension pots into one self invested pot
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New 3 and 6 month Treasury bills - deadline Thursday 11.12.2025
I appreciate only of interest and accessible to a tiny minority on this forum, but for those for whom Treasury Bills maybe of interest see below - https://www.ii.co.uk/ipos#current
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Hargreaves Lansdown ISA top up or transfer offer.
£75 to £5000 cashback for existing clients toppping up or transfering. By email invite only. https://www.hl.co.uk/accounts/exclusive-cashback-offer-isa
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Market moving when closed
On Trade212 I cannot sell or buy shares when the market is closed and yet the share prices moves quite a lot on some stock. Can someone explain how it can be possible for prices to change which would mean that there are shares being sold or bought? Some changes are quite significant. Are there big investors that are able…
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Interactive Investor - lower costs from Feb 2026
By email today: "We’re introducing new charges with a simpler, all-in-one flat fee to cover your ISAs, pensions, and investments. We wanted to give you plenty of notice ahead of time so you can see how these changes will affect you. What’s changing for you? From 1 February 2026, you’ll move to our new Plus plan. Your…
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Put money away till the children's 21
Hi I've got two granddaughters living with me their mum passed away and left insurance roundabout 70,000 pounds each they are 15 and 16 year old what can I do put this money away and be safe till they reach 21 make a bit interest and released it till the 21 year old any advice would be appreciated thank you
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Investec
I have had a 12 months bond with these guys through my Hargreaves Lansdowne active savings and they have been fine. I just noticed that they are giving 4.5% pa if you open a 12 months bond with them directly versus 4.16% pa via HL. Anyone had any savings with Investec UK directly and can comment on how it went? Were they…
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Merged: Trust
This discussion has been merged.
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Tesco Internet Saver & HRMC Interest Reporting
Opened a Tesco Internet saver account on 15/4/24, this had an interest guarantee Bonus rate for 12 month of 3.56%, plus a variable rate 1.25%. At the end of the 24-25 year Tesco (Barclays Bank) seem to have only just reported interest at 1.25%. to HRMC. The Fixed Rate 3.56% interest was paid when the account was rolled…
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