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Problem taking money out of InvestEngine
I have a very small amount of money with InvestEngine having taken up a MSE-recommended special offer, and now I want to take it out. In order to get into my portfolio it asks me to confirm my information is correct, and then it asks me to retake a questionnaire to check if my needs are still being met. Whatever answers I…
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Retiring/Tax Fee Shares
Hi All - I am Newbie looking for some advice please:) Have just retired. I have SIP Shares with the company and classed a 'good leaver' I have already maxed out ISA for this year and have savings. Options I have are: Cash in all shares tax free Cash in some and retain some Retain the shares - they will transfer to a CSN -…
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What is the point of the Marcus bonus rate?
I had some money with Marcus when it was competitive. I've moved it now but kept the account open. I just got emailed about the bonus rate. I can just login and apply the bonus and get this higher rate for another year. What is the point of this exercise?
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Snoop Savings
Hi, I've seen Snoop Easy Savings are giving 4.35% which would be good as my Chase boosted rate will end next month. Is Snoop just as good/safe? There doesn't seem to be any restrictions on withdrawing. Thanks
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Interest paid into joint account - tax help!
Hi everyone, thanks in advance for your help. This is the first time my husband and I have enough saved to be at risk of hitting more than £500 interest in one tax year. We're both higher rate tax payers. I have a 1 year fixed term savings account in my name only which will pay us around £600 interest next financial year.…
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Scam alert - Chase/Metro fixed savers and ISAs
Hi All Received this through the post yesterday. Rates looked too good to be true, so I checked with Chase and it’s definitely a scam. Pretty convincing though. Hope this helps someone.
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Personal finance modelling (pensions, shares, redundancy)
Hi all I am being made redundant and am looking at my finances to project the next 10 years before I retire. I have been speaking to some financial investment firms and they offer scenario planning using some software but want to charge me £1,500! Can anyone recommend some free software or their own excel which will help…
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Higher Rate Tax Payer interest rate difference
I know this has been asked lots of times before but a search wouldn't find an answer, hopefully this thread title will aid people in the future! What's the calculation to work out if a taxed rate savings account for a Higher Rate Tax Payer who's over their £500 allowance is better than a tax free rate?
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Moving Money from Santander Help2Buy into Plum LISA
Hi all, First post! Looking for some clarification about a move I'm looking to make. I have £11,600 in a help to buy ISA, and plan to move it all over to a Plum LISA over the next three tax years. Plum do not support transfers from Santander Help2Buy ISAs, and so here are my questions: - Could I not manually make a payment…
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NS&I login problems
For years now, I have had trouble logging in to NS&I. They suspend my logging in, so I have to go online and change my password. Problem is, that does not work. I am asked to enter a Hash Key, which never works. Every time I change my password, it stops working the next time I need to enter money into my saving account. It…
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Moved: Pension Query
This discussion has been moved.
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Which Vanguard Fund
Looking to invest some money for my 2 kids and debating between VG LS100 or VG Global All Cap (VAFTGAG). Will be invested for at least 10-15 years. Thoughts appreciated.
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Nationwide Regular Saver
My Nationwide regular saver matured yesterday and today it is showing as an instant access saver. However, when I tried to open a new one today I am told I cannot open a new one as I already have a regular saver. How long do I need to wait? One year ago I had no problem opening a new regular saver the day after maturity.
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Tips for not obsessively checking investments
2 weeks ago I took the plunge and converted the vast majority (80%) of my Cash ISA savings into a S&S ISA. The total sum is close to 6 figures. I'm invested mainly in a 80/20 fund and have done my research on volatility, so I know what to expect if there's a crash. I'm in this for the long haul and don't foresee any need…
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Panic Mode
Basic rate Tax payer with £11400 income above personal allowance . Yesterday I decided to Sell £24000 worth of shares in my AJ Bell Sipp . I assume AJ will deduct 20% Tax off this sum before it appears in my Cash account . Am I correct in thinking this or have I got it wrong?
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Ascot Lloyd and Avellemy (now Ascot Lloyd)
Hello all, I have my investments with Fidelity, through my IFA - Ascot Lloyd. The vast majority of my investments are through funds under the Avellemy name. I notice that Ascot Lloyd have now bought out Avellemy and the funds have been renamed - e.g. IFSL Ascot Lloyd 5 C Income (Restricted Fund) replaces the old Avellemy…
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Should I use our ISA allowances?
I know, that’s a strange question to which the answer should be yes of course. But here’s my scenario. My wife and I each have a s&s ISA in which we hold mostly equity funds plus some significant “cash” in mmf or bond fund format. We also have significant cash in various ea and fixed bank deposits (approx four years) as…
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So much money
I wonder if a) anyone else has noticed so many new threads on spaces like this forum and similar forums on reddit where the starting point is that the poster has 6 figures and don't know what to do with it. b) Is this 'normal' that so many people in the world at the same time suddenly have so much money, whilst so many…
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Savings Week
A total disappointment... Or have I missed something?
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Registration self assessment
Doing my first self assessment and on the registration is asking date untaxed income received from ? Do I put the start of last tax year there ? Thanks
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
