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When savings - including ISAs - hit £85,000....
I feel sure this is a stupid question, but presumably if and when my ISA hits £85k, I should open an ISA account with a different bank to avoid falling foul of what is protected... Right? And therefore any interest going into an £85k ISA needs to be transferred out for safekeeping.... Right? It just occured to me that if…
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Where would you Invest £550,000 inheritance for at least 6 years until entitlement
A simple question cause much deliberation. Onshore or Offshore?
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Are "Negotiated Orders" safe
I'm trying to buy some gilts (£10k of TG31 on Iweb), and even the relatively small number of a gilts produces the comment below.. (same for TN28) Am I exposing myself to risk, commiting to buy without any price limit or guarranty Negotiated Order Your order can not be completed automatically Your order cannot be completed…
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CGT. Self assessment advice if the profit is within the allowance
Hi i'm looking for some advice if possible please. I've recently sold some shares and my profit was around £1350. I know there is an allowance of £3000 for 2025/2026. Should i submit a self assessment anyway because when the sale money was paid into my bank, the profit and the purchase amount went in together in one lump…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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S&P without FX fees?
I have been buying S&P 500 stocks on Trade212 but I noticed recently that when I buy company stocks I pay an FX fee since they are American but when I buy S&P 500 stocks which are also American I do not pay any FX fees and the share price is shown in GBP. The stock is even listed on the LSE which does not make sense to me.…
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Reallocating profit in a S&S ISA
using loose example here to understand principle This financial year I have put 12 K in a cash ISA I have put 6K in a stocks and SHARES isa,scattered around a selection of tracking funds and a Money fund to hold in prior to investing. I invest into these most financial years within the same S&S isa provider However, I wish…
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Raisin £100 bonus for opening easy access account in July
Raisin had an offer in the summer for a £100 bonus if you quoted a WELCOME100 code. Think you had to keep the money in for six months? Got the account in July. Anybody received this yet?
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Old premium bonds
I'm currently 70 and have been a premium bond holder since mid sixties. My parents purchased a few but I can no longer find them. I have looked on the web to see if i can change my address but it asks for a number. I know i have them as forty years ago I won two lots of fifty pounds. How would i go about trying to change…
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NatWest fixed rate bonds ?
They have a 1 year bond and a 2 year bond available at the moment , but the funding is unlike most other bonds. Regarding the 1 year bond for new customers closing date for applications is 19th November, last date for deposits is 2nd December, and the bond start date is December 3rd. So would any money deposited before 3rd…
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Cahoot a/c upgrade
Apologies if this is old news and I'm late to the party but had my eye off my savings for a while, but my Simple Saver 12 months expired and saw for the first time the Account Upgrade option which basically keeps all the same account info be signs up again for another 12 months at the 4.40% AER. How simple and how useful…
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What to do with mums finances as LPA as she goes into Nursing Care?
Can anyone advise what to do for the best- Mum saved diligently all her life, worked hard as a primary learning support teacher, she's been mentally ill last few years (I've done my best to care for her, had to give up my job and take my meagre pensions early as she lives far away and been splitting my own life 50/50 at…
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Great British Invest off or Passive V Active Updates
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…
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Moved: Transfers from S&S ISA to be scrapped
This discussion has been moved.
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Monument
Now that Chase's interest rate's going down to 3.5% on 16 January, I'm thinking of moving my money to Monument at 4.55%. With this account demanding a minimum deposit of £25,000, I'd like to know if the balance has to remain no lower than that amount to keep get the 4.55% rate?
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Extra 2% on savings ?
What does that mean ?
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How to avoid self assessment
I have received a letter from HMRC giving me an UTR number saying that they will let me know next year if I should file a self assessment. I don't want to file a self assessment. If I move enough money out of my savings account in order to have less than £10k interest this tax year and invest it into stocks, will I get out…
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HMRC calculation of tax owed on savings interest
HMRC notified me that I owe tax on my savings interest as is exceeds £1000 in 24/25 and is more than their estimate of £913. However I suspect (without going back and checking all my statements) that the amount that has been reported to them is quite a bit lower than what I have actually been paid across my range of…
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Tax on savings interest
Hi all, I had an unwelcome message from HMRC saying I had not paid enough tax during current tax year. Both myself and my wife are pensioners with additional company pensions. We have a savings account that produces interest in excess of £1000 allowance, my state and company pensions take me over £17000 and so pay 20% tax…
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Longer-Term Savings Interest Rate Stability
Does anyone have any thoughts about which savings institutions either statistically or subjectively maintain fairly high interest rates over the longer term? I just get tired of constantly having to move money around because an initially headline-grabbing rate has been slashed after just a couple of months. I just want to…
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