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Chip not offering bonus?
Just signed my MIL up to Chip so she could get the Easy access savings account with bonus but its not showing on the app, just the instant access at 3.75%. The offer is splashed all over their website but its not on the app. Have they finished it?
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FCMB via Raisin
Hi Folks, Was wondering if anyone has experience with this and how it has gone? Thanks
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SAYE does it count towards adjustable net pay
Hi, I am currently laying £500 a month into my work Save as you earn scheme. Can this be used to adjust my net pay I.e £6000 less on my net pay. I know SIPPs count to lower the net pay. Thanks in advance for any help with this.
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Retired with UK and EU pension
Martin has newly warned about savings income for employed people but I want to know what should be done when like me you have a UK state pension plus a French pension in Euro's and a lumpsum purchased annuity. The total of these incomes is under £40,000 depending on exchange rates of the French element each year. I have to…
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MSE Recommendations - Problems?
Just wanted to share with you my recent experience of following up on an MSE Easy Access Savings recommendation. The two accounts that caught my interest were Atom and GB Bank Ltd which both appeared to offering the best rates at that time (Last week! - w/c 20th Jan). Atom is app based and has no website presence. Having…
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Problems renewing TSB monthly saver
My current Monthly Saver has now matured and the money moved to an Easy Saver. A couple of days later I set up a new Monthly Saver through the Web site and it was set up. It asked if I wanted to set up a monthly standing order which I did. But on trying that it came back with an error screen. So I decided to set it up…
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Moving my ISA
Hi All I have an Cash ISA the interest rate has gone down to 2% and the next interest payout is September this year, would I be better moving it to a new bank with a higher interest rate before the new Tax year as I have yet to put any extra money this this tax year. kind regards
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tax liability
I have money in trust for my 3 grandchildren who are now over eighteen years of age. but they will only receive this when I pass away. Who is responsible for paying tax on any interest over the allowed £1000.00 per annum as they do not know the existence of this trust.
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Savings
We have £30,000 that we wish to move into a better savings account. We would like easy access. We add around £200.00 a month into it. Anyone got any advice please.
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Investment timing- thoughts…?
Hello- newbie here. Hoping to gather some thoughts and ideas about when to invest. i have a lump sum about (90k) and are looking for somewhere to invest it. I think that I may have settled on VUAG and / or an all world cap . Max out the ISAs first of course. The S&P 500 seems high at the moment and I am mindful of the…
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Too little to late
My wife and I downsized 12 years ago and invested £50000 in HSBC GIC account. I didn’t look at our investment till last weak and found out that We were down 2.3% on our initial investment. Is it all bad and what can we do for our short future.
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Compound Interest on Reg Saver
According to the First Direct Reg Saver T&C, if you save £300 per month for 12 months, the total int will be £136.50. However, I put these figures into the FV calc in a spreadsheet (ie £300 at 0.58333% rate for 12 periods), and I get a total int of £117.77. Probably doing something wrong in my calc, but I tried several…
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Joint savings account.
I am 78 and recently had a stroke and then bowel cancer operations etc. Knowing that probate can often take over a year, I would like to open a joint savings account with my daughter to tide her over during that time. Problem 1. I live in a town with no bank or banking hub. Problem 2. I bank with Nat West and Halifax and…
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How to find original share prices for CGT
Hi, My dad bought some shares in my name many decades ago. He originally had them as paper certificates, then a couple of different online portals, and now in Fidelity. He has passed them over to me to take control. I want to sell them and get the funds into my ISA (possibly re-buy the same shares again if i think they…
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Chip+1 Account moving to Allica Bank
Hello I joined the Chip+1 account via app etc as mentioned on the Money Saving Expert website savings. However, the Chip+1 account ( currently offering 1.25%) is closing and they are offering to move savings to Allica Bank offering 0.7%. Does anyone else use Chip+1 and feel comfortable with this offer? Thank you Alan
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How to tell if a fund is registered for UK tax reporting?
I am trying to understand if the Invesco FTSE All-World UCITS ETF ACC fund has UK Reporting Fund status, as I read that UK individuals pay up to 45% on their investment gains if an offshore fund does not have status, compared to 20% if it does. I've downloaded the document, from the government website (link below), but if…
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To delete or not to delete, that is the question....
I have a love hate relationship with my finance apps. I'm sure these are rookie numbers compared to most but I have (counting them now...) 14 (!!!) banking/finance apps. Most I check daily while others a weekly glance like my vyoung daughters isas/sipps. I like to think I'm a "set it and forget it" type of investor, I…
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Dividend taxation
I'm going through my admin for the current financial year to keep up to date for next year's self assessment and am ok with most things, but wanted to check something hopefully quite simple that's confusing me - the Glencore and Coca Cola dividends are listed as 'tax exempted' separately at the bottom of my T212…
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Why sudden drop in short term gilt fund IGLS on 16 Jan?
I am curious about why there was a sudden 1-day drop - just under 2% - in the price of IGLS (ishares Uk gilts 0-5yr UCITS ETF GBP) on 16 January. This is a short term gilt fund and normally not volatile, and I didnt notice other bond funds being affected. Any ideas?
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Short term house sale proceeds - where to invest?
Hi, after advice pls. £320k has landed in my current account after my house sale. I need to keep hold of this for circa 2 months until my new build is ready. im a higher rate tax payer with no ISA invested this year. I am thinking of putting £20k in to an easy access cash ISA, £5k into my Barclays Rainy Day Saver which is…
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