-
Complaints against the GB Bank!!!!
I recently came across the GB Bank, while looking for a better interest rate for two fixed rate bonds that are maturing soon! My experience has been excruciating, and finding out how they discriminate against foreigners like me very demeaning, therefore I would like to know if others have had the same experiences and how…
-
Saving for an adult child
Hi all, My son's child trust fund is due to mature in a couple of weeks. I'd like to set up something similar over the next 10-15 years. I don't just want to pay it into a bank account in his name and I don't want to save it in my name. Are there any options available?
-
Son of 'Patient Capital': stick or twist?
Opinions please, Many of you will remember the former star manager Neil Woodford, and his 'Patient Capital' investment trust. I was suckered in, and after his downfall this IT has undergone a couple of changes of name and objectives, and has now begun moving towards voluntary liquidation. My holding currently trades for…
-
Paused payments to Hodge
Hi everyone having several things I wish to talk about so this is the first. Can't find specific thread and creating a new one hope this is the right thing to do. Recently opened a Hodge Easy Saver Account. First payment from my HSBC no problem, second payment flagged up as risk of fraud but paid, third payment attempt…
-
How do I raise funds without losing out
I need to raise money urgently. Do I cash in on my gold sovereigns or do I cash in my NS&I savings before the end of their term?
-
INVESTMENT SHARE SCAM
Hi I thought it important to share this.. I have recently been the victim of a Investments Scam... I saw an ad on facebook about a investment knowledge and opportunities and joined an Investment Group on Whatsapp from this advert. The Investment group claimed to be from a reputable firm in the US, with the advisor being…
-
USD bank account in the UK.
I had a USD dollar account with Investec and a few years ago they stopped allowing USD accounts for small amounts. They recommended that I ove the money to a savings platform called Insignis. I now want to move dollars to a UK bank account but it has to be USD account that will accept the transfer which will be US dollars.…
-
Realized profits
As market can rise and fall.. If the funds (S&S ISA) you have invested has reached your target value, even if you do not need the money and there is no CGT or transaction fees etc, do you sell and take the gain and leave the capital or leave it alone ? or sell or switch to invest somewhere else etc to rebalance / spend or…
-
Declaring interest to HMRC
I’m a 45% tax payer and the HMRC quiz tells me I do not need to fill in a self assessment tax return. However, I think I’ve read somewhere that I need to tell HMRC if I’m getting interest from savings, as the bank will only deduct 20% when really should be 45%. But I don’t do the self assessment, can HMRC work this out for…
-
My Cash Investment Strategy - Comments Appreciated.
Each year I have invested my whole ISA allowance in stocks and shares. On top of this, In order to have emergency cash funds available I have gradually also bought 1 year fixed savings bonds and now have £10,000 to £20,000 maturing each month of the year. My idea is that I would have this amount of cash available each…
-
Shares v savings
Hi all, new here so go easy. Im 57 with moderate savings and just started investing some of it into shares. I have some savings in a fair interest rate savings account and keep this below the £1000 interest mark to save the tax. Ive got various shares now across the board with a 10 year plan to increase wealth for…
-
Learn by about investments
Where would I be able to learn more about investments and pensions? not necessarily to become an IFA but enough to understand where to invest, save and pensions. Other than chat gpt, I’m thinking maybe some courses?
-
Paper share certificate
Hi how do I convert my paper share certificate into electronic or simply sell the shares?
-
Anyone else having issues logging into NSandI?
Just tried via Safari and I seem to login ok but as soon as click on anything it says logged out as you pressed back button (I didn’t). Then tried in chrome and it gets to OTP entry and thendoesnt even log me in but refreshes back to login page.
-
Fundsmith....
There's a Money piece in The Times today about Fundsmith which is generating comments about how it did well in a low interest environment but would do less well in a high interest environment. Since the fund prefers companies with low levels of debt, why is this? Clearly I am missing something, but I would have thought…
-
Vanquis - Deeply Unprofessional & Distrustful Treatment of Loyal Customer
Been a customer of Vanquis since 2012, placing my trust in them year after year. Earlier this year, I invested my long-term savings (2 x £20,000) into their 1-year fixed-rate bonds. Due to Vanquis’s outdated and awkward account naming system, I couldn’t transfer the funds electronically had to go to the trouble of sending…
-
PAYING TAX ON INTEREST FROM SAVINGS
I have just retired. My scenario is simple in that I have only one source of pension - from the local government pension scheme. My pension alone uses up all my personal allowance. The annual interest from my savings is likely to well exceed the Personal Savings Allowance though will be nowhere near the £10,000 that is…
-
NS&I Direct Saver: delays to payments out. May be affecting other NS&I accounts
Just off the phone with NS&I after a long wait. I made a payment to my current account on Monday from my Direct Saver and it has yet to arrive (supposed to arrive the next day and always has in the past.) Man I spoke to said they are having problems with their clearing bank, Nat West, and payments are being delayed. It may…
-
Financial advisor fees
I’ve been offered redundancy money and was looking for an advice where the best to invest. The financial advisor that I met said the fees are 3% for advice which would inc my pension, all savings and redundancy pay. My pension is over £350k so when i work out the total assets it is around £500k. So does that mean the fee…
-
Nutmeg/Moneyfarm vs DIY
Hello. I wanted to sense check if I'm a lone wolf having all my investments split between two robo advisors. I have approx £200k between both of which around £150k is in their managed ISAs (ETFs). I really like their service, but have a niggling feeling I'm getting charged through the nose for fees etc. I've probably got…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.5K discussions
163.4K comments
Most recent: We want to hear about your Lifetime ISA (LISA) experiences by eskbanker
Today at 1:07PM
