Savings & investments

HI. I have been looking around to move my isa from Trading 212, currently paying me 3.6%. the first thing to do was to get it out of trading 212 which is easier said than done. The one thing that really surprised me here, was that two major players- trading 212 and nationwide do not communicate. I could not transfer my isa…

Hi everyone, looking for a sanity check on a 6-year retirement bridge plan so I (61, basic rate) can slow down work immediately. Wife is 54 (non-taxpayer, NHS part-time, no pension). Target: £1,000/month net total. Current Assets: Main Home: £250k (mortgage-free). Bungalow Rental: Worth £155k (£40k mortgage). Brings in…

I previously posted the results of calculating the gain/loss of Net Asset Value in dollars resulting from selling £100K of VEVE and buying £100K of VALL at the closing price each day. This gain/loss occurs as a result of the differing discount or premium to Net Asset Value of the two ETFs. It does not include brokerage…

I was researching interest rates for maturing fixed rate virgin money ISA's and non isa's to see what rates they were offering. It seems the process as now changed and if you have a maturing fixed rate isa or non isa you now need to switch it to the nationwide platform as they have now stopped issuing stand alone fixed…

My parents want to make a gift of £50k each to my children (current ages 13, 15 and 19). I would like the sum to be invested until they are 25 years old if that is feasible. I have looked into accounts for children but interest rates do not seem to be very good for large amounts of money. The annual limit appears to rule…

In 2023 I transferred a stocks and shares ISA from II to Iweb. Today I logged into the II platform to look for some historical information from the account. I was surprised to see that I had just over a £100 in it. Surprise turned to anger when looking through the history to see that shortly after the transfer a dividend…

For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…

Hello All I’ve been thinking that I’d like to lessen the amount of my money that’s invested in the US, and increase the amount that’s invested in the UK. I’m motivated by my values, and realise it will most likely cost me financially. Can anyone suggest where I might move my money to? Most of my £ is currently in VWRP. I’m…

Virgin Money have launched vers.6 which is now available on their website. Rate fixed at 6.5% AER until maturity 30/06/2027. I've been waiting for this as my previous RS matured a few weeks back.

Under their T&C if an investment matures on a weekend, which will occur c 28% of the time, Chetwood will reimburse the funds on the next working day. If this happens to be a bank holiday then you could lose up to 4 days interest which could equate to £70-£80 of interest. This seems unfair when you compare to other banks…

Binance reporting $6.3Bn hack this morning:- https://www.theguardian.com/business/2026/oct/29/binance-crypto-exchange-hack Not sure I'd want my savings in this arena.

This is for savers with total interest over their personal savings allowance. In the light of the increase of 4% from next April what are the best strategies to mitigate the tax take bearing in mind the old adage "don`t let the tax tail wag the investment dog"

HarbourVest Private Equity (HVPE) have launched a major tender offer in October 2026 to buyback shares at an attractive premium to current share price. As example, the Tender Price on 20 October 2026 would have been £40.6822 per Share compared to Share Price of £32.20 per Share on that date. If it goes ahead (following…

Asked this in the HL Fee Changes thread although it's a small issue and there's plenty of other discussion there so I thought it might warrant a new thread. A number of UK companies issue shareholder benefits vouchers/cards, mainly from the leisure sector (Mitchell's & Butlers, Marstons, Fullers, Whitbread etc). HL…

Hi All Looking around and found spring Accelerate saver @ 5% for up to 5k Just looking for any thoughts from any one who's using Spring bank , hit or miss Thanks Steve

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…

Both myself and wife have been notified of the new platform that CSB are to introduce early 2027. Does anybody know of why they're changing to the new "Online Services" platform and how it will affect day to day use. Are there examples of other institutions making this change and what advantages or disadvantages could…

I'm trying to get my head around the new Pension Tax Allowance (PTA), the new higher savings tax rate and the Starting Rate for Savings (SRfS) for next year. Consider a pensioner on the full State Pension of £13,036.40. The difference between the pension and the personal allowance is £286.40, so the SRfS allowance is…

Hi everyone, I'm looking for a bit of advice please. My wife banks with Virgin Money and currently only has a current account. Over time she's built up a fair amount of money sitting in it, and I've suggested she should move some of the surplus into a savings account to make it work a bit harder. The main thing is that…

Just wondering…