-
Virgin Money Defined Access E-Saver 4.76%
I'm sure this will be because of my lack of knowledge / experience but .... Called into my local branch today to ask about the above account which has an option to pay interest monthly. The lady tells me that if I opt for the monthly interest then that will count as as withdrawal so after 3 months the rate would drop to…
-
All in one Savings Platform
What is the best all in one Savings Platform with the most savings accounts available Is Flagstone ok Or do you suggest other alternatives
-
S&P 500 vs World Fund, last 12 months
I have the following two funds in my S&S ISA and compared their performance over the last 12 months. GSPX iShares Core S&P 500 UCITS ETF GBP HedgedHMWO HSBC MSCI World UCITS ETF USD S&P 500 1 year performance is nearly double that of the world fund S&P 500 (+12.26%) and the World fund (+6.19%) Both dropped to similar…
-
Trading 212 withdrawals
Can anyone share their experience re making withdrawals from Trading 212?
-
New Cynergy Login Procedure
At long last they have replaced the digipass / authenticator app with a code sent to your mobile via SMS. Sign in with existing user id and password. You will need to accept two long streams of Ts&Cs by scrolling to the bottom of them and reset your password which now has to include a special character. No instruction on…
-
Tembo Customer Service
I’m trying to transfer an ISA from Tembo and their customer service team seem to be non-existent…is it just me? Transfer was requested on 15th April, so I believe I’m beyond the 15 days transfer window.
-
Advice for investing 140K please.
A relative has 140k to invest. He needs easy access to some so he’s thinking of putting 50k in premium bonds, 20k in a cash isa and holding 10k in a savings account. What are the best options for the remaining 60k please?
-
Best Way to Save £50k for 18 Months
Hi Everyone, I am looking for the best way for my wife and I to save £50,000 for 18 months. I think the best and most tax efficient way would be to open 2no. Cash ISAs (around (5%) for £40k and add £10k to a high interest savings account. If there's a better way, I'd love to hear it! Many thanks in advance. Charlie.
-
Tax on interest earned
If your full time employed, and earn over 1k (basic rate tax payer) interest on savings, am I right in thinking HMRC automatically take the interest owed out of your pay, by changing your tax code accordingly?
-
Buying whole shares vs fractional
Hi I have a freetrade account and want to start purchasing shares in a s and s isa or gia. Ill probably buy about 100 worth a month and also see it as an emergency fund , i also have pensions for long term. This is more for fun instead of sports betting. Any recommendations on buying a share at a time in whole shares or…
-
Trading 212 Transfer
After the full 15 working days, Trading 212 has finally prompted for my okay for my transfer to Monument. The problem is that the amount they quote for transfer is £33.97 less than my apparent balance (£33.97 appears as pending interest). Anyone know what happens the shortfall after the transfer?
-
Investing as an Expat
I'm looking for some advice investing as an expat. I researched how to invest as a beginner on MSE and I concluded that Vanguard's LS80/20 asset best matched my investing ambitions. I'm a 31 year old lecturer based in China, paying tax in China and want to invest for the long-term (20-30year horizon). I have a small amount…
-
First Direct (things to note)
On my wife's behalf, I recently opened her a new current account and a new regular saver with FD. My wife is not computer literate and is happy for me do do such things. I am in the process of doing the same in my own name (ONLY BECAUSE OF THE FIXED RATE INTEREST AVAILABLE). We only have one mobile which accepts the FD…
-
Pennon shares dividend?
As a newbie to shares I'm a bit confused! I have some shares in Pennon which today have been consolidated 3:2. I understand that and I realise that there will be a special dividend of £3.55 per share, but the stock has dropped today so I won't actually be any better off? Is that how it's supposed to work? Any help for the…
-
Oaknorth bank - is it prudent to have more than £85k in account?
Hi I have 160k in the 90 day notice account with the above bank should I be worried about the amount being over the 85k limit if this bank did fail ?
-
Shareholder Perks
Hi, I remember reading years ago that certain companies offered shareholders various perks and freebies for minimal investment. I have a very small pot to play with in addition to my main holdings, so was wondering if anyone knows of good companies to invest in that still offer good perks eg brewers? Also interested in…
-
A few questions about bond funds & gilts
Hi I have several questions about bonds / bond funds; I am a novice so please bare with me: I am 46 and I am aiming to retire at 60. I currently have £260k in my employer's pension scheme and I am contributing £1200 per month, about 30% of my salary. I didn't take pensions seriously until 10 years ago, so I am trying to…
-
INRG
Hi all, Anyone know what's behind the sudden surge in INRG. Held this for a while after having been sucked in by the hype but pulled out eventually seeing no major price recovery, and thinking the clean energy hype had had its day Thanks
-
Santander edge current account.
So this morning l converted my Everyday current account to a Edge account with the intention of getting the Edge saver soon. Because it's a online account can l still use my debit card that originally came with the Everyday account to deposit cash at the post office? Also if l do put the full £4000 in one go what interest…
-
Child Trust fund - moving more than £9000?
Hello all, My daughter is nearly 16 and her CTF is in a stocks and shares ISA. It lost several hundred pounds following the US tariffs turmoil, and I want to move it out of stocks and shares for this last 2 years before she turns 18, to be on the safe side. However, I think I can only move it into a Junior Cash ISA, not a…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.4K discussions
162.2K comments
Most recent: Cash ISAs: The Best Currently Available List by Gambler
Today at 7:37PM
