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Keeping track
I've never been good at maximising my savings, leaving them to languish in low interest/no interest accounts, up until now, but I am determined to be more money savvy starting from this year! I've got a basic spreadsheet, which lists bank current accounts, building society savings account, I've even opened an ISA account…
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Investengine Lifeplan portfolios
These look like a decent proposition and alternative to Lifestrategy. What are the thoughts of any knowledgeable investors amongst you?
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SIPP CASHBACK OFFER
Hi all i I am looking to transfer my SIPP to a new provider due to having a tough time financially just now and wondering if there are any recommendations and ideally cashback to my bank account rather than into the Sipp which is what most of the offers I’ve seen recently SIPP is sitting at 790k at the minute with NatWest…
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Help to Save: first bonus payout?
Anyone had theirs yet? Or know when it usually gets paid in? The website just says 'by the 14th'. Things are tight this time of year so counting on that bonus going in. Thanks.
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No longer possible to get a simple savings account children themselves can use?
As a child of the 80s I remember collecting the NatWest piggies, getting a free Barclays moneybox with a cool secret combination lock, a regular Henry's Cat Club magazine with Woolwich building society and probably countless other things too. Banks and building societies bribed kids to open accounts. Free gifts aside, I…
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Paying Tax on Interest
Hi, last year I would have earned more than £1000 in interest on my savings. I'm a bit worried as I'm not sure if I need to do something to pay this? I am in full time employment, so will HMRC at some point just change my tax code to reflect I earn more than £1000 a year in interest? Thanks
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got 450k to invest...ideas?
we have around 450k to invest. We dont need an monthly income from it and can tie it up for a year at least. We are very risk averse but would like to get some ideas on what we might realise in terms of interest or dividends or whatever after a year. We already have a buy to let and would not be looking for another one.…
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JISA - advice needed
I have cash JISAs for my 6-year-old and 14-year-old with Loughborough. Would it be advisable to move to a stocks and shares JISA with only 4 years left for my eldest? And if so, any recommendations please?
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Vida Savings
I see Vida Savings, established in Dec 24, are topping the fixed 1 yr bond rates just now. Anyone heard of them? Interested to hear your thoughts.
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Help with inherited pension
Hi, my dad died a month ago and i am in the process of corresponding with his private pension provider. My dad had chosen to leave 50% each to my sister and myself. I am almost 53; my sister is nearly 56. Dad;s pension was a private pension and took it as a drawdown. We have been told we can either have a lump sum, choose…
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NS&I Capital Bonds - from the 1990s
Hi all Grateful for any advice Our lovely Mum recently passed away, and we are in the process of clearing her belongings. We have found three Capital Bonds from NS&I taken out in 1990 by our grandfather. I have two siblings, and there are bonds in each of our names. We had no idea these existed having been in our Mum's…
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Shares
Hello 👋 I have some old HBOS ordinary shares and need some advice on what to do with them selling wise I’m aware that they have changed to Loyds but not sure how I would proceed further on this process can you advise please many thanks BB.
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Mis-sold bond?
Parents had an ISA with Lloyd's, Dad just received letter detailing maturity of what he thought was an ISA, turns out he'd moved his money from an ISA into a 2 yr fixed rated bond. Due to the sums involved he is probably going to be hit with a tax bill on the interest. No idea has to how this has happened. I believe my dad…
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are my shares electronically held or paper ?
hi all, got a few shares from 15+ yrs ago, (one of them Tyman, and that;s what promted this post) is there an easy way to find out if my shares are paper shares or held on "Crest" Tyman have a take over bid (it includes US shares) so i want to sell them, I was looking to sell via x-o.co.uk
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Regular savers strategy (paydays varying)
If one receives two benefit payments on variable days of the month, in order to reduce faff, could it make sense to withdraw predicted monthly expenditures plus a 30% buffer to one's current account from an instant access savings account (which has a higher interest rate than one's current account) on the first day of the…
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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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£1000/500 tax free savings interest question
I accidently went into the 40% tax threshold on earnings (just by £500) . I understand the tax free savings threshold is reduced to £500 from £1000. Question - Are the savings over £500 then taxed at 20% or 40%? If they are that seems a double whammy????
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CGT for Gilts
I'm quite partial to holding short-term Gilts to maturity, having been severely burned by Gilt ETFs in 2022. On Friday I bought some both for my company, and in my dealing account. Unfortunately on the latter I had a brain-fade and bought a high- rather than low-coupon one. Usually I buy low-coupon when not buying through…
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Sharesave maturity options
Hi all, Looking for some advice as I've not done this before. I've gained £4500 from a sharesave scheme (put in approx £6k now worth approx £10.5k). My exercise choices are now: - keep the shared in a corporate sponsored nominee - keep the shares as a share certificate - Sell the shares and receive the proceeds I want to…
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FSCS query
Hi, I’m new to this forum and hoping for some advice with a query. I have had a monthly savings plan with Fidelity for a number of years. The value of all investments now exceeds £85k of which about two thirds are Fidelity’s own funds and a third managed by other companies with Fidelity the distributor. I’ve always been…
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