Savings & investments

I am new to trading. Over the past 2 months I have invested with UKX Capital whose platform has pretty good reviews in online trading literature. However, the trader who is dealing with my money is pressuring me to invest more than I am comfortable with- has talked me into a co-financing agreement that I have tried to get…

Just a heads up Just opened Etoro via mse link to claim £100 free shares if you deposit £200 I added Initial small payment to check it worked ok Then sent second payment to make up to £200 However it appears that only the first payment is accepted so needs to be £200 to qualify for free shares Therefore I have just wasted…

It was announced at the weekend (via the blog) that Monevator was becoming a subscription service at three levels ... - Monevator Mogul £8/month - Monevator Maven £3/month - non-member free but no access to 'member-only' articles https://monevator.com/membership/ What access does the non-member have, it was not made clear…

My wife has shares in an SIP purchased prior to 2010 these are listed on the US stock market and she pays tax on the dividends in the USA therefore no uk tax is due on them and now wants to sell them. The original documentation stated there was no tax due on the shares if she kept them for 3 years after purchase. However,…

Hi, I'm trying to contact OakNorth on 0330 380 1181, but it keeps cutting me off; is anyone having issues with this?

I’ve been a Raisin customer for approx 4yrs now and have held various Easy Access and Fixed term accounts during that period and until now, have been very happy with their products and service. I currently have one account with them. On 20th Nov, I received a call from someone claiming to be from Raisin but they couldn’t…

Following Martins recommendation on the Raisin 4.9% account, yesterday I tried to create a new account, on entering the required details including my insurance number, it told me to “enter a valid national insurance number” now I know I entered the correct number, I tried entering it again with and without spaces, I tried…

The Financial Ombudsman Service covers banks, building societies and payment services but NOT deposit aggregators such as Raisin UK and others. I know this after complaining to the FOS about Raisin UK, waiting for 2 months and then getting the investigator's reply: we have no powers over a deposit aggregator. I emailed MSE…

Received an email from Skipton BS today telling me about their updated privacy policy.In particular I note that · We will securely share some basic information about you (such as your email address) with our carefully chosen advertising partners, plus social media companies. NO - you will NOT be sharing my email address…

Say I'm 30 years old. and I have lived my 20's and I'm not broke and have no debt. So say now I have a child - the minute this child has a birth certificate I make a stocks and shares JISA for the sprog. Now a JISA limit is £9000 per year ( £750 p/m) £750 per month in the stock market returning 7% is is £320K after 18…

Given speculation about the CGT rate increasing to match income tax rates, I’m thinking about what to do with my investments. I don’t want to be out of the market, but is selling accumulation units and buying income units in the same fund caught by the 30 day B&B rule? Also, would it be better to realise the gain but save…

Good evening . I am a retired person and my situation is that I have £85000 saved in a fixed rate bond and a similar amount in a cash ISA (also fixed rate). My wife also mirrors those savings with her own. I also have 50k invested in premium bonds which since I acquired them in April have produced rather disappointing…

I am thinking of putting my unwrapped cash into UK gilts or index-linked gilts. My plan requires me to make annual withdrawals to fund my living expenses from January 2030 to January 2038. Additionally, I need to withdraw £20,000 each year during this period to transfer into my ISA.I would like to know: Are these two types…

Hi, I currently have stocks and shares ISA with Scottish Widow, some in part from old single company PEPs and do not trade but keep what I have but they seem to charge me £5 per reinvestment of dividends so if there is only say £10 half goes in fees. Trading 212 have told me there is no charge for reinvesting dividends…

Dear all… My wife is an investor…trading mainly shares on US market in tech and memory…. but she'll never be an administrator. So the paperwork falls to me. She operates across T212, IG and now also IKBR. For her tax returns 2025/6 (she started investing at start of 2026) I used cgtcalculator.com and was able to bring all…

I have 2 fixed-rate bonds that will mature in the coming weeks. The first is a NS&I guaranteed income bond (approx £12k) that matures next week. I also have a 2 year RCI bond (approx £10k) that will mature at the end of November. One of these I will reinvest into another fix, but the other I will put into easy access or a…

If I compare 2029 and 2038 nominal and index-linked gilts, looking at the YTM of the former and the real yield of the latter, I see: Nominal: TS29 4.86% TR38 5.54% ILG: T29 0.84% T38 2.14% If I understand correctly, the difference between the two shorter and the two longer dated instruments should be about the same, but we…

Hello All, I have 15k savings just sitting in my bank (not much I know) but I want to start looking into ISA's, savings account to get as much as I can. Looking to leave it for 5-10 years . What would be the best way to make that money grow? Thank you

I think it is time to de-risk my portfolio, held in an S & S ISA. So where do I begin? I am not interested in the tax advantages that gilts offer, and I don't mind some risk, so I could certainly include some high-yield corporate bonds: they have got to be less risky than Biotech! I am not really interested in a 'gilt…

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…