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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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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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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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Looking for a global smaller companies fund
My pension has had about 10% of its value in a global smaller companies fund for various years. Specifically the abrdn Global Smaller Companies fund. I was happy enough with the fund at first but it has been quite lackluster for a few years. Looking at other similar funds is making me think that maybe it's time for a…
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Likely growth of AI - how can investors position themselves?
Has anyone here made investment decisions based on the likely growth of AI technology industries over coming years? What have you done?
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Vidasavings.co.uk doesn't exist?
I have opened an ISA with vida savings, and received a letter in the post to authenticate my nominated account. It instructs me to visit their website, but it doesn't seem to exist. When I Google Vida savings the website is actually vidabank.co.uk which must have been what I used to open the account. What should one make…
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Change to lifestrategy funds
I've had an email from Vanguard with the following information: "We’re updating the classification of the LifeStrategy funds from ‘UK UCITS’ to ‘Non-UCITS Retail Schemes’ (or NURS). Our LifeStrategy funds are ‘funds of funds’, which means they mostly invest in other funds – specifically, those managed by Vanguard. As the…
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Pension (SIPP), ISAs and Retirement
Hello people, UK here and would appreciate peoples thoughts on the following Age 51 here & aiming to retire at around 57 I currently hold: 490k in my SIPP (Vanduard LifeStrategy Acc 100) 165k in ISA (88k in Vanguard LifeStrategy Acc & 76k Vanguard FTSE Global All Cap - Acc) 75k in premium bonds I have a mortgage of 160K…
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Up to £100 worth of gift card for joining Aviva Save
https://www.aviva.co.uk/investments/savings-accounts/#offer
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HMRC Personal savings allowance
My aunt passed away in May of this year (2025). I have received a tax calculation for the tax year 2025/26 which does not show any personal savings allowance against interest received for April and May. However, HMRC have included this as other income which has reduced the amount of PAYE to be refunded in this tax year .…
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Base Rate Held
As title ….
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Interest from bonds within a general investment account
I thought all UK financial institutions reported "interest" to HMRC but it looks like interest from bonds within a General Investment Account is not reported. Can anyone confirm this? I think I may need to make HMRC aware of this extra interest that hasn't been paid for several years. I think HMRC may be more lenient if I…
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Aviva Savings Gift card
Opened a savings account with GB bank via Aviva savings back on 23rd July.Put £10000 in and supposed to receive an email to pick a £20 giftcard but have had nothing.Rang Aviva a week ago said i should get one within a week but still no email. Has anyone on here received one or had their giftcard. I am going to have to ring…
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Interactive Investor £200 incentive to move pension. Can be stacked with Quidco?
Hi, I have a small old work pension worth about £15,000 and was considering transferring it to Interactive Investor. I noticed they’re currently offering a £200 incentive for moving a pension into a new SIPP with them. I was wondering if this would stack with Quidco’s offer? Many thanks,
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Cahoot/Rapport
I have just joined Cahoot, and they advise installing Rapport software. Firstly, should I? I use either Chrome or Firefox on Android tablets for internet banking. No apps. On home wifi only. Secondly, in the event of any issue, would I potentially not get reimbursed if I haven't used the software they've suggested?
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