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Cash or Stocks and Shares ISA?
Hi all, Hoping for some advice. I have 80k currently in a stocks and shares ISA with Aegon (Cofunds). I will absolutely need to withdraw the majority, if not all, of these funds in two year's time and am feeling nervous about the level of risk associated with it. Everyone is saying the markets are looking volatile for the…
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Ascertaining purchase price for CGT
My father gave me some shares about 20 years ago which we
transferred to my name. I had a paper certificate but last year I transferred
them to my broker for electronic storage in advance of selling them. Now I’m
looking to sell them I realise that I don’t have any info to help me ascertain
the value at transfer. When I…
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SIPP Company Contributions 3 years
Hi Last year I didn't use any of our £40k allowance. Let's say this years allowance for me is £50k (due to my earnings limit) making a total 2 year's worth of allowance = £90k. I decide this year to contribute £40k. Will it be assumed that contribution was part of last year's allowance and this year's £50k is in the bank…
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Joint Savings online account with signatory
Evening all Looking for an online joint savings account that requires approval from both parties to withdraw money. Anyone know who offers this? Thanks
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Flexible Life Interest Trust Investing
I am the trustee, together with my brother in law, of my late wife's Will which she left in a Flexible Life Interest Trust. We want to invest a sum of money in the trust, possibly with an income for me, but we're not sure sure whether to invest in a Bond or something else.
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Best saving accounts for 16/17 year olds
Does anyone know of the best savings account, the highest interest ones, for 16/17 year old. I have looked at articles on best saving accounts but the childrens ones are mainly up to 15 years old and the adults are over 18. Any suggestions much appreciated.
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Childrens savings - both parents as trustees
Afternoon, In Final financial hearing, it was deemed that the childrens savings accounts have both parents added as trustees/joint signatories to stop the significant funds being removed by the current trustee. Issue is that their current ones can't be converted and cannot find anyone that does this sort of account…
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True potential drawdown pension
Hi all I am currently in drawdown with true potential I am in the balanced portfolio..I have crystallised my funds ( took all the 25% tax free). I had an advisor who retired so I was like many others was switched over to the central advise which mean in house advisors, apparently they have now 60 thousand clients on…
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NS&I Guaranteed Income Bonds - Locked into very low interest rate and looks like no way out!
Hi, Thank you for letting me join this forum. I have an investment with NS&Is’ Guaranteed Income Bonds which is locked in for 3 years. At the time it felt like a good investment. Unfortunately, there seems no way out of this investment and I am now stuck with a very low interest rate of 0.34% for the final 2 years of the…
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Is this company legit?
Hey, Thank you for your time. My friend and I have made some savings and we are for the first time interested to invest in gold coins. We've come across this company The Pure Gold Company Ltd (registered as The Pure Gold Group Ltd on companies house). They only trade online and that's how all the companies have evolved…
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Savings Accounts for Community Sports Club
Hello, I'm a committee member at a local cricket club, and we've recently discussed the possibility of putting our money into a savings account to earn some interest on the money we have. When I have looked online it is very difficult to understand which account we are eligible for and which we aren't. We don't have a…
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Best use of 70K
Hi all, Would appreciate some advice / help on something. When i sell my house i will have approx 70K coming my way and will not be buying a house straight away. I would like to know (as someone with little knowledge on such things) where is best to place this money so i earn some interest whilst it's not being used,…
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Money Market Funds
I've read plenty on here, with L&G, Royal London and Fidelity all fairly well regarded. Is there any easy way to look up, or calculate, what the projected current yield is? Or perhaps the question is nonsensical ...? Thanks V
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Tandem Bank T&C's
I received an email this evening stating that they are changing their Terms & Conditions. 1..Account Closure, We've clarified when we might need to close your account right away. 2.Blocking or Freezing Your Account, We've clarified when we might need to immediately block or freeze your account. Is this the normal wording…
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Capital Gearing Trust
Today's finance news say CGT is "seeking approval from the Northern Irish courts to reclassify its share premium account as distributable reserves. Company has since 2015 operated a discount control policy aiming to keep its share price close to the underlying net asset value. Says reclassification will support the DCP's…
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Best easy access saver
I have £50k and need an easy access saver with best interest. I will need access with notice within a few weeks/months so don’t want to lock the money away and wish to make regular monthly savings. What’s best!!
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Best credit card
Best credit card now? Repayment in full every month. Currently I have m&s
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ISA fees
Hi all, I am thinking of investing in a Cash ISA with "MoneyBox" are there any fees.
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Limits on opening new ISAs?
I may be a tad confused but... I've got a fixed rate ISA maturing imminently and the rate will plummet. I opened a second fixed rate ISA in April 2023 which won't accept any more transfers in. Do I need to wait until April 2024 to open another ISA? Do I need some kind of holding account until then? I didn't use anywhere…
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Starting rate for savings
My wife earns £11000 per year. If she transfers her personal allowance to me would she still be eligible for the starting rate for savings (0%) on interest earned on her savings which would be approx £5000? Thanks Wayne