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Experiences of Freetrade?
I started an ISA with InvestEngine a year ago for tucking away spare money, separate from my pension savings. While I like the offering from them, ease of using the app and obviously the low cost of investing, I can't shake off an uneasy feeling about their reliability. For example, they pulled their new Life plan managed…
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Forced to move ISA and GIA from InvestEngine, how to proceed?
Hello, I have been with InvestEngine for almost 2 years now and have both ISA and GIA, there has been no issues until recently. I've been asked to provide additional documents to confirm source funds, e.g. bank statements and gov ID that I have provided. I thought that will be it, but they also ask me to hold my ID and do…
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Mid 30s Advice
Afternoon all, I'd be grateful for some general advice on the position I'm in. Turn 36 in August. Recently became mortgage free. Only "debt" I have is c.£20k for Plan 1 student debt; in theory that gets wiped in 10 years. There's no salary sacrifice at my work to lower my monthly payment. £130k in a SIPP £10k in a S&S ISA…
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Buying gilts - which platform to use?
I am considering buying some (conventional and index-linked) gilts and am not sure about which platform to use. It seems that Fidelity don't offer gilts at all (only gilts funds and ETFs), whereas Scottish Widows (formerly iWeb) offer them. Any other platform which offers gilts? Thanks for the help!
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TG30 - 0 3/8% Treasury Gilt 2030
Apologies for the basic nature of this post, but from a complete novice perspective I'm just trying to get the fundamentals right. I have some cash savings I'm trying to redeploy into various 'capital preservation' vehicles for a couple of years. Looking at short term Gilts I've identified the TG30 as potentially…
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Base rate vote
Vote 7-2 to hold @ 3.75% https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2026/june-2026
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Getting accurate information on interest in order to complete Self Assessment.
I keep careful records but I also double check amounts online with bank and building society accounts. Some make it easy eg Skipton, Santander and a composite document for all accounts is easy to find. Some put this in a very obscure place on their website. Others eg YBS make the information available only by checking each…
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Inheritance Question
So I know little on this subject and welcome your thoughts I recently received and sum via the executor of the estate of my Father Said estate was in the IOM and as such was managed under the legislation there. Reading about inheritance tax is confusing I live in Scotland Do I need specialist advice regarding how this is…
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Trading212 - New Customer Deals
Hello! Based on the deals listed in the MSE newsletter I'm considering getting a Trading212 account. However, I'm not sure if I can make use of each deal. One option is to open an Easy Access ISA that provides a bonus % rate for new customers. The other deal is an Investment ISA account that provides £50 bonus into a…
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property, pension, isa
these are the 3 big areas it makes sense to put most of my money but in what proportions? i have a few thoughts……….. property: somewhere to live, no rent to pay, tax efficient being your own home, not counted against in a benefit claim pension: 25% uplift on contributions due to tax relief, however may not have much choice…
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Nationwide Fair Share
Anyone know how the Nationwide Fair Share scheme works ? I was moved over to Nationwide after being a long standing Cheshire Member, no bonus for that either. I have never received any 'fair share'. I tried making contact with Nationwide on Instagram, but that is not monitored. And for reasons unknown, I am suspended from…
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NS & I Index Linked Savings Certificate (renew or not ?)
Is the ILSC worth renewing for 5 years (with no access allowed during the term) or cashing in and putting in a Savings Bond with Monthly Interest and access allowed ? I'm retired due to an injury and living off the interest earned on various savings bonds and a pension. Any advice would be appreciated. Thanks
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Hargreaves Lansdown poor service
On 16/2/26 Hargreaves Lansdown decided there was an anomaly with my postal address despite me being registered with them at this address since 2009 and holding a SIPP,ISA and fund share accounts. They immediately placed restrictions on my accounts and used the none guaranteed second class royal mail delivery service to…
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Selling Australian shares
Hi folks, my mother has recently (after what seems like it took forever to sort!) had a number of shares in Commonwealth Bank of Australia transferred into her name, that used to belong to my deceased father. The shares are managed by Link Market Services, but it appears as though it won't let us sell the shares via their…
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Struggling to find friends lost pensions
Initially tried tried using AJ Bell who offer such a free service hoping you will take out a SIPP account with them. Went through discussion with my friend, a very busy man starts at 6:30am! Came up with a list of past employers with addresses etc and sent to AJ Bell, who decided they wanted to deal with him direct, but…
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Emerging Markets Allocation
Many amateur investors, like myself, frequently become confused by how much to allocate to different regions, there are often as many questions as there are answers. We recently debated at length, the merits of reduced US allocations, now the subject of Emerging Markets (EM) allocation arises. Whilst I have arrived at my…
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Revolut 5% saver
Hello recently opened Revolut current account to get £20 cashback which worked well and quick Noticed the 5% instant saver for 6 months up to £25k which is a very good rate It would appear that savings are held with clear bank which has FSCS Protection up to £120k ? One negative I've read about is that account can be…
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Withholding tax reclaim from German single share dividend
I received a dividend of circa 3573 euros reduced to 2631 euros after withholding tax reductions. I believe there may be a possible re-claim of circa £300. Could anyone advise me which form i would need to complete and the basic route. ?
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Duplicate Junior Stock and Shares Isas
Hi. I have three JISAs for my children, which wer invested with the Woodward Equity Income fund, suspended in 2019. As I could not contribute any more funds, I opened a further three with AJ Bell in 2019. I now realise I shouldn’t have more than one set of them, but in seven years have never been contacted by HMRC. Should…
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Lamborghini, world cruise, annuity ... or something else?
We are just about to receive the payout from a life-policy related investment plan we have had for some 30 years which pays out a tax free lump sum on maturity. Probably upwards of £200k. We're wondering what to do with it: hence the title of this thread! The plan was designed as a way of saving to provide money at a stage…
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Most recent: S and s ISA tax on sold shares by dunstonh
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