-
Buying whole shares vs fractional
Hi I have a freetrade account and want to start purchasing shares in a s and s isa or gia. Ill probably buy about 100 worth a month and also see it as an emergency fund , i also have pensions for long term. This is more for fun instead of sports betting. Any recommendations on buying a share at a time in whole shares or…
-
Trading 212 Transfer
After the full 15 working days, Trading 212 has finally prompted for my okay for my transfer to Monument. The problem is that the amount they quote for transfer is £33.97 less than my apparent balance (£33.97 appears as pending interest). Anyone know what happens the shortfall after the transfer?
-
Investing as an Expat
I'm looking for some advice investing as an expat. I researched how to invest as a beginner on MSE and I concluded that Vanguard's LS80/20 asset best matched my investing ambitions. I'm a 31 year old lecturer based in China, paying tax in China and want to invest for the long-term (20-30year horizon). I have a small amount…
-
First Direct (things to note)
On my wife's behalf, I recently opened her a new current account and a new regular saver with FD. My wife is not computer literate and is happy for me do do such things. I am in the process of doing the same in my own name (ONLY BECAUSE OF THE FIXED RATE INTEREST AVAILABLE). We only have one mobile which accepts the FD…
-
Pennon shares dividend?
As a newbie to shares I'm a bit confused! I have some shares in Pennon which today have been consolidated 3:2. I understand that and I realise that there will be a special dividend of £3.55 per share, but the stock has dropped today so I won't actually be any better off? Is that how it's supposed to work? Any help for the…
-
Oaknorth bank - is it prudent to have more than £85k in account?
Hi I have 160k in the 90 day notice account with the above bank should I be worried about the amount being over the 85k limit if this bank did fail ?
-
Shareholder Perks
Hi, I remember reading years ago that certain companies offered shareholders various perks and freebies for minimal investment. I have a very small pot to play with in addition to my main holdings, so was wondering if anyone knows of good companies to invest in that still offer good perks eg brewers? Also interested in…
-
A few questions about bond funds & gilts
Hi I have several questions about bonds / bond funds; I am a novice so please bare with me: I am 46 and I am aiming to retire at 60. I currently have £260k in my employer's pension scheme and I am contributing £1200 per month, about 30% of my salary. I didn't take pensions seriously until 10 years ago, so I am trying to…
-
INRG
Hi all, Anyone know what's behind the sudden surge in INRG. Held this for a while after having been sucked in by the hype but pulled out eventually seeing no major price recovery, and thinking the clean energy hype had had its day Thanks
-
Santander edge current account.
So this morning l converted my Everyday current account to a Edge account with the intention of getting the Edge saver soon. Because it's a online account can l still use my debit card that originally came with the Everyday account to deposit cash at the post office? Also if l do put the full £4000 in one go what interest…
-
Child Trust fund - moving more than £9000?
Hello all, My daughter is nearly 16 and her CTF is in a stocks and shares ISA. It lost several hundred pounds following the US tariffs turmoil, and I want to move it out of stocks and shares for this last 2 years before she turns 18, to be on the safe side. However, I think I can only move it into a Junior Cash ISA, not a…
-
Capital Gearing Trust - Performance and Prospects
Dear all, As part of the 'wealth preservation' element of my portfolio, I have both CGT and Troy Trojan. However, I'm considering moving the CGT money across to Troy. Have stuck with CGT for a while, but performance over the last few years has been dismal, so I'm not sure of the the point of keeping it there (and can't see…
-
Quicken XG 2004
I have been using Quicken since the mid '90's and kind of regret updating to 2004 from 2001, but not enough to revert back. I am running Windows Home 11 without any problems after using the missing *.dll files, but what is annoying, if anyone knows a solution is: a) I have a notification on start up to check for updates of…
-
Maturity 1 year bond cash early.
This isn't really a problem, but I just looked on my main current account to find my 1 year bond as already been deposited with interest when it was due to mature Monday 12th. I gave instructions on the 5th to close the account on the maturity date. Like l already said, the interest is what l was expected it to be, but…
-
HSBC Regular Saver - Changing SO to 1st
I seem to recall a while ago that HSBC allowed you to edit a standing order date from its Current Account to Regular Saver from the monthiversary to another date, which meant accounts opened closer to the end of the month could marginally benefit by changing the standing order for subsequent deposits to 1st of the month,…
-
NS&I Children’s Bonus Bond - Scam?
Hi I have some NS&I Children’s Bonus Bonds which were purchased for me by a parent in 1994. NS&I last wrote to me in 2004, confirming how much my bonds were worth and explaining that I did not need to take any action if I didn’t wish to cash my bonds. I would now like to cash my bonds and following a phone call to NS&I, I…
-
Cyber security, savings accounts and banks
I had a query about an ISA with a UK BS which I posted via secure message. I received a call from them and they wanted me to prove who I was by revealing personal information and password details. Although I'm fairly confident the call is genuine is there no UK standard for banks and BS to prove who they are when they…
-
Retirees Portfolio Revamp
I’m looking at the current market turmoil as an opportunity to return to basics and start over again. I lost my nerve and sold everything over the course of several weeks but fortunately, only suffered a 3.6% loss from my 2025 high. My portfolio had become too wide spread, unwieldy and I was trying to monitor too many…
-
Tax on bonuses on savings interest
I have savings with Sidekick. The interest is a basic rate plus a bonus. The basic rate is added to the savings on a daily basis. The bonus is sent to a separate holding account where I can withdraw it or do what I like with it, on a monthly basis. The annual statement of interest that they have sent me only includes…
-
Choosing a single ETF
I'm looking to invest in a single ETF.My shortlist is1. SPDR MSCI World SWLD2. Vanguard FTSE Developed World VHVG3. Invesco FTSE All-World FWRG I understand 1&2 are developed world only tracking different indexes, and 3 includes emerging markets. Any ideas/comments appreciated
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.3K discussions
160.9K comments
Most recent: Cash ISAs: The Best Currently Available List by friolento
21 November at 10:17PM
