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Onshore Investment Bond without and IFA involved
I am keen to open an onshore investment bond and am pretty savvy as to how they operate but all the main providers I have found only seem to allow you to open it via and Independent Advisor, does anyone know of companies where I can open one direct without the IFA? I have nothing against IFA's and have used them before but…
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St. James Place ADVICE CHARGES
While I am very aware that SJP is not a good investment I, unfortunately, signed up with them in 2007. Some 18.5 years later my "Investment Bond" has yielded a poor 2.75% compounded interest. Having complained to SJP that I've never wanted nor received ANY ADVICE I requested that the ADVICE FEES/CHARGES be refunded in…
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Paying tax on interest over £100 on children's savings account
For the tax year 2024/25 my son (12) will have earned over £100 of interest from a HSBC savings account in his name. The capital in the account came from a Halifax Kids Saver account opened and operated by me in trust for my son since he was born so am I right in thinking that the source of funds in the HSBC account is…
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AVC performing badly
I have been investing into a Prudential AVC since Nov 2016, this with a view to retiring at the age of 65 in March next year. My problem is, I with very little knowledge of gilts and bonds and didn't realise the Pru were investing my money into a product called S3 long term Gilt passive pension and S3 index linked…
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LGPS / AVC / Prudential - At a loss!!
Hi I thought it was about time I addressed this issue. I started paying additional contributions to an AVC with Prudential in 2016. I invested at a Medium Risk with: Prudential S3 Index-Linked Pen and Prudential S3 Long-Term Bond Pen. I was unsure I have to admit how to invest it and very little advice is given. I have…
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Buying a gilt for the first time - large buy/sell spread?
Hi all, I'm looking into buying my first gilt (via Halifax Sharedealing). Just a dummy run for the moment - I'm looking at TG53 which has YTM of approx 5.45% and another 27 years to run to maturity. As per Halifax (and the same/similar on HL), the sell-buy prices are 43.37 - 43.82. So my question is - this looks like a…
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Holding ETFs in a non isa account
ive read on here that holding etf,s in a non isa account can be complicated. I didnt realise ths. As having filled my isa allowance with etf,s i decided to buy more and have put about 12k in a non isa account (trading212).I have made some gains and going forward want to know what i should be doing as regards to declaring…
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Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
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IFA charges to combine pensions? One time fee preferred
I'd like to combine my FSAVC (over £120k) with an existing DC pension pot. I have other DB pensions in payment which cover normal expenditure so I'm planning on using the combined FSAVC and DC pension as a drawdown pot. I've done extensive forecasting/modelling and this is the best option for me taking account of…
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26 Years Old, Is my savings plan good?
Hi, I'm 26 and I'm currently studying with the ACCA to be an accountant. I've managed to save about £26,000 off my own back, my Grandad passed away in France early this year and then my dad a month later... so I guess I am to inherit €32,806.46 through my dad and I've also inherited £25,000 from him. I'm currently having…
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Inheritance - £85k - help!
I am new here, and new to really caring about money..! I am going to inherit around £85k later this year and I am really struggling to decide what to do with it. I: - am 41, single, no kids - am newly self-employed - have no debt apart from my student loan (around £22k) - rent in London, so do not own a house - do not own…
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Another "offer" from Litani for my Sunlife shares
I'm not sure if its just me, but I am being inundated with so called offers for my Sunlife shares. The deal is so bad-about 40% less than their value. I realise that I can just throw these in the bin, but it almost seems like theft that someone will sign up to this. Its the fourth letter I've had now. I assume as there's…
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Nat West & RBS Regular Savers
The balance of my RBS reg saver has reached £5K. Interest isn't paid on balances over £5K. Does anyone know if I can stop the monthly payments and just sit on the balance earning 5.5% ?
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NS&I can't login!
Hi All, I've been moving more money into NS&I recently and am currently in the situation where I can't login! I know their website can be a bit 'clunky' but at the moment for me there's no 'login' fields for me to use on their login page! Currently (trying) to talk to them via Twitter. They have a pinned message from 2024…
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NS&I How long do transfers take nowadays?
NS&I have closed my Guaranteed Growth Bond, and I gave them instructions to transfer to my current account when it matured, that was just over a few week ago, does anyone know how long they take to transfer nowadays? I'm assuming it earns no interest whilst in limbo, something to consider when swapping back and forth…
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Premium Bonds Prizes not paid (yet?)
Hi All, I recently maxed out on premium bonds. My first eligible draw was June, and I was lucky enough to win 3 prizes. It has been setup to pay prizes directly into my current account, however we're now on the 8th working day of the week, and I've not received anything. Is this normal? Their website states payments should…
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Investment Clubs
Hi Guys, We are a bunch of 10 retired guys who meet monthly and run a small investment club in our village. Our current broker (Interactive Investor) have advised they are removing the service for clubs. We've looked at other brokers who have some legacy clubs, but none so far are taking on new or transferred clubs. Does…
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As a PAYE taxpayer, how to complete a BBSI letter from HMRC?
I've had a letter from HMRC stating that I have untaxed interest for the 2024-2025 tax year, and instructing me to provide "information [for] each bank and building society account". I have had at least* 14 cash accounts in the year; their form allows space for just four, and says to continue on additional sheets. The form…
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Financial Investor and Loan Provider on Facebook
my colleague was deeply involved with this on facebook and hoping to get a loan, he was will to fly to meet them. I am not allowed to post the link, but if you go to facebook and type in the search Financial Investor and Loan Provider it comes up under "pages" They sent him a video of a consignment of cash that had just…
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Tax efficiency on savings interest
Hello all, I have inherited a lump sum that I'd like to keep as savings until I retire in 5 years, with a view to buying a house for my retirement. It would help a lot to minimise the tax I have to pay on the interest over the 5 years. I've seen somewhere that if you pay the interest into an ISA, it won't be taxed. Is this…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: 2026/2027 transferring a cash ISA from Trading 212 to another provider by eskbanker
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