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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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NS&I - Switching from Income Bonds to Guaranteed Income Bonds
Hi All, I have been transferring money into an NS&I regular income bond. Once I'm done, I plan to transfer the whole lot into a guaranteed income bond. I'd really like to have it pay out on the 1st of the month, or the next working day. What's the best way of achieving this? Anyone managed to do this before? The 1st…
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Better Rates or Pension Drawdown
My partner was a tax payer last year due to income from savings. This year we are purchasing a house so their income will be reduced such that they won't be a tax payer. They have funds in flexible isa's.My question is would you fill the tax free void by removing funds from isa's in order to generate extra taxable income…
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Fidelity Cashback offer for transfer of ISAs, SIPPs or Investment accounts
Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months.
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24-25 annual tax summery paye
Hi has anybody’s 24-25 tax summery turned up yet for paye.
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Shares - Bed & Breakfasting
I find myself in a position where I have to take account of Bed & Breakfasting regulations in a number of holdings caused by the shareholder buying shares within 30 days of selling others of the same type. While the legislation and documentation is quite clear that Bed & Breakfasting covers any new shares acquired either…
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Record Outflows from Global Equities
Anyone else getting jittery? https://uk.finance.yahoo.com/news/uk-investors-record-outflows-equity-funds-stock-markets-114418613.html
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Zopa auto save.
I'm having issues setting up auto save. I made one manual payment into my new Zopa RS on the 4th Oct I then tried to set up auto save a few days later to make payments on the 4th of each month but Zopa only lets you set up the day of the month you pay and not the actual month you wish to start payments. So, when I try to…
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BITCOIN
Is investing in Bitcoin really worth it or is it all just a scam ?
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Stewart Investors Asia Pacific management team resigns
For anyone invested or thinking of investing in Stewart Investors' Asia Pacific funds (which had generally performed well... until about this time last year), the long-standing management team led by David Gait and Sashi Reddy resigned overnight in late August.
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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Tembo ISAs Online Transferring out problems
Hi Guys! Has anyone managed to online transfer an ISA out of Tembo to a stand alone bank? I have failed to find a a provider amongst several that I have tried. They do not list Tembo (or Nude that they were previously known as) as a possible new provider. Tembo customer service is pathetic and have failed to help me with…
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FIXED CASH ISA
I have a Fixed Cash ISA due to mature shortly. I also have another Fixed Cash ISA with another provider which gives better interest (better than anything you can get today) and doesn't mature til July next year. Am I allowed to transfer the ISA due to mature to the one with a better rate?
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Chip Crowdfunding
I selected to invest my isa allowance with Chip. should I be concerned about the crowdfunding shift?
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NS&I's GGB 1 Yr - Guaranteed Growth Bond - nominated bank, maturing over w/end and cooling off?
I've several questions that I hope people with experience could share. Firstly - could I have multiple nominated bank accounts and assign different linked accounts to GGB, Premium Bonds etc., or is it just the one nominated account? Secondly - has anyone one had a GGB or other fixed term account mature over the weekend? Do…
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Company sharesave cgt
Hi, I have a company sharesave scheme which matures in November. I have been putting £500 per month for 5 years so by November my initial investment will be £30000 but the shares are now worth approx £110000. Approx profit of £80000. My question is in regards to capital gains tax. I understand the rules may change by…
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Purchased life annuity - can you recommend a broker
Hi, my parents (aged 83 and 89) want to set up a joint purchased life annuity from Aviva, however their in house financial advisor insists on full financial planning, which they don't need, plus they say it will take 12 weeks, by which time the quote will have run out. Aviva have told me they are not required to go through…
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Covered call options
I came across Schroder Income Maximiser OEIC while planning a retirement income portfolio. It uses covered call options, which the KIID describes by "To seek to enhance the yield, the investment manager selectively sells short dated call options over individual securities, portfolios of securities or indices held by the…
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Where to put £50k for 16yr Old?
My stepdaughter is in the fortunate position of being gifted £50k from family (lucky her). She may keep a very small amount right now for some immediate spends (a few hundred), but the majority will be held for either uni purposes or house deposit later in life. Some will be needed from March next year when she turns 17…
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T212 Cash ISA to S&S ISA
Is it easy to transfer it? I'm not sure how it all works but I'm thinking I may earn more than the interest rate on the Cash ISA doing this?
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