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Santander £100,000 prize draw - closes 30/11/2025
Hot on the heels on the Cahoot prize draw announced yesterday, now a draw for a single £100k prize from Santander. One lucky winner will have their turkey paid for this year. Full details:…
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Bond fund to replace VLS
Hi, I am looking to move one of my investments (Vanguard Lifestrategy 80 Acc within an ISA) into a Bond fund. I have decided that with the recent good increases in equities, I decided to reduce or remove equities from this particular investment. I have looked at VLS 20 as an easy option, but ideally I would like to move…
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Moved: ASDA travel money card scams!
This discussion has been moved.
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Permission Problem
I had 14 comments to a discussion I started at at the beginning of October 2025. When I click to read these I got a pop up screen which states Permission Problem. You don't have permission to do that. I am logged in OK, so cannot understand why I cannot see replied to my discussion. Any ideas please? Thanks. Have these…
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Share registrar help
I hold power of attorney for an ageing parent. During an estate transfer, they were to receive a considerable shareholding via a well-known registrar. However the registrar sent the shares (somewhere?) against our instructions, then told us they'd sent thelm to the lawyer, then told the lawyer they'd sent them to us. This…
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State Pension and self assessment for capital gains tax.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in
a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Capital gains tax calculation
Hi everyone, I have a sharesave, does not mature until next year so I realise a lot of things could change including isa limits and the share price. According to the policy document, I will need to pay CGT. its a £10,800 investment over 3 years at £300 a month. Currently the investment is £38,600 based on the share price.…
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Trading 212 Invest
Could someone help with my fuddled brain please Both myself and OH have maxed out our ISA allowance for this year, some of which is in cash and some S&S. We have a decent emergency fund in cash earning 4.75% variable (Zopa) and full holdings of premium bonds. I have a fixed rate saver due to mature soon (£10000) and…
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Which SIPP platforms give immediate tax relief?
When I was on the Aviva platform (IPP) if I made a personal contribution, I got a tax relief credited immediately so I was able to buy additional units at the current price. On the interactive investor platform I got notified it will be 6 to 8 weeks for the tax relief to appear in my account, so I cannot buy additional…
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nsandi site
Anyone else unable to get onto the nsandi site?
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What should I do with £41,000
I have got a bond with Phoenix Life which is performing miserably. My plan is to cash it in and looking for advice on what I should do with it. I don't need access to it. I thought I might put £20,000 in a Cash Isa but not sure what I should do with the remainder. I would appreciate suggestions. Many thanks Sue
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Help to Save Withdrawal / Bonus
My wife and I have both been using the HMRC Help to Save accounts. For the last two years we've both saved £50 each in our accounts. The accounts both currently have £1200 We are due to recieve our first bonuses (£600) in the next week. My question is... If we were both to withdraw the £1200 we have saved so far, and then…
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6mth Principality Regular Saver, maturity process tips please
HiI have my first 6mth Principality RS account maturing later this month and not sure of the best way to proceed going forward.(I have searched numerous threads first, apart from the RS discussion board which is too huge to scroll through and hasn't come up with suitable answers in my search).I have now got the option…
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NS&I boosts savings bond rates – here's how they stack up
NS&I has increased the interest rates you can get on all of its fixed-term 'British Savings Bonds'. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read the full story: 'NS&I boosts savings bond…
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US Citizen
My mother was born and raised in the USA, but in the mid 60’s while working as a nurse overseas, she met then married my father, who worked for the Crown in the diplomatic service. In the early 90’s she started opening ISA’s and investment accounts without issue. Now this month, financial institutions (Fidelity Investments…
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Continue with regular saver or transfer to savings and switch bank account for reward
Hi I currently have 2 regular savings accounts - one with Nationwide which pays 6.5%, has a max monthly limit deposit of £200 (which I contribute each month), currently has £1000 in with another 7 months before maturity. The other is with First Direct, paying 7% with a max monthly deposit of £300 (which I pay in each…
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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Covered call ETFs like XYLD etc
Trying to assess the risk Vs reward of these. Found YouTubes that explain that your exposure to stock market gains is limited. But not much about other risks or volatility. Tempting to think that if we're near the peak of the cycle then one could accept the limited gain risk in return for 10% return. Any other risks? Would…
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Too much TECH in isa?
A bit of advise please on my stocks and shares ISA which is around 50% tech . This is due to both Palantir and my Legal tech fund increasing in value over the last year or so and now it is more than 50% of my portfolio . Is this a very risky position to be in at the moment with a possible AI bubble and world events . I am…
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Ulster Bank easy access Saver - 4.5% interest, but is it lost forever if you go under £5k?
Hi there. I recently opened an Ulster Bank regular saver. It offers interest of 4.5% so long as the balance is over £5k. However, I’m not totally clear what happens if the balance drops under £5k. The guidance is not clear to me and when I spoke to someone at Ulster via the app they could not answer the question either!…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Moving £45k into a Stocks & Shares LISA - How Would You Invest It? by Dammi
18 November at 11:43PM
