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Chip prize draw account
Anyone got the chip prize draw account is it worth it I’m used to having all my money making money in accounts with interest so wondered what people’s views are on it 😊
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Savings Platforms - Worth It?
Just spent the morning investigating savings platforms and noticed, on average, a significantly lower interest rate offered compared to saving directly with the bank/building society, ranging from 0.1% to 0.8%. Whilst I didn't check every single account offered by every savings platform (and some didn't show such details…
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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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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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Raisin interest
I had a 3year savings account with Raisin which matured today, the interest has been paid out to my holding account yearly. What I can't understand is why each year the interest has been different. Year 1 £750, Year 2 £756 and Year 3 £747.95 The lump sum on day one was £15,000.
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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Can't seem to buy Vanguard Sterling Short Term MMF Income
EDIT I'm a numpty just looking again I forgot there was a slider to show funds that pay you an income 😂😂🤦♀️🤦♀️🤦♀️ I've got existing holdings in the Income version, but going to top up or buy more, I have to go through all the bonds & ETFs available and only the Acc version is now available - is this something othes have…
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Bond fund to replace VLS
Hi, I am looking to move one of my investments (Vanguard Lifestrategy 80 Acc within an ISA) into a Bond fund. I have decided that with the recent good increases in equities, I decided to reduce or remove equities from this particular investment. I have looked at VLS 20 as an easy option, but ideally I would like to move…
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Moved: ASDA travel money card scams!
This discussion has been moved.
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Permission Problem
I had 14 comments to a discussion I started at at the beginning of October 2025. When I click to read these I got a pop up screen which states Permission Problem. You don't have permission to do that. I am logged in OK, so cannot understand why I cannot see replied to my discussion. Any ideas please? Thanks. Have these…
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Share registrar help
I hold power of attorney for an ageing parent. During an estate transfer, they were to receive a considerable shareholding via a well-known registrar. However the registrar sent the shares (somewhere?) against our instructions, then told us they'd sent thelm to the lawyer, then told the lawyer they'd sent them to us. This…
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State Pension and self assessment for capital gains tax.
Hello. Could you help me. My sister who is currently a landlord is transferring her rented property to my niece in the new year. According to HMRC rules calculating capital gains tax in
a self assessment computation involves total income which includes gross salary+ rental income less allowances + capital gain. That's ok.…
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Capital gains tax calculation
Hi everyone, I have a sharesave, does not mature until next year so I realise a lot of things could change including isa limits and the share price. According to the policy document, I will need to pay CGT. its a £10,800 investment over 3 years at £300 a month. Currently the investment is £38,600 based on the share price.…
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Trading 212 Invest
Could someone help with my fuddled brain please Both myself and OH have maxed out our ISA allowance for this year, some of which is in cash and some S&S. We have a decent emergency fund in cash earning 4.75% variable (Zopa) and full holdings of premium bonds. I have a fixed rate saver due to mature soon (£10000) and…
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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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6mth Principality Regular Saver, maturity process tips please
Hi I have my first 6mth Principality RS account maturing later this month and not sure of the best way to proceed going forward. (I have searched numerous threads first, apart from the RS discussion board which is too huge to scroll through and hasn't come up with suitable answers in my search). I have now got the option…
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