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Pension Muck up by Scottish Widows!
To put this as short as I can; I recently requested a transfer of a smallish pension pot of £4137 from my Scottish Widows old work pension, to my Hargreaves Lansdown SIPP. I filled out all the forms, and in those forms were the Scottish Widows and HL account numbers. After some time, I noticed £4137 paid into my Bank…
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Best use of £20000 a year for retirement
Hello, I’m looking for some advice. I’m fortunate to be able to save £20000 a year and I’m currently putting this into a cash isa. However I’m looking forward to when I retire and I’m wondering whether to just live off this money when I retire, or am I better to invest it in a property (when I’ve saved up enough) and rent…
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Why buy gilts at issue?
Hi - just curious really, I have an account with ii and they have just emailed to say I can apply for a new gilt being issued. It's a brand new one as far as I can tell. However - it's being launched by syndication which means the price isn't set in advance, so my question is why would anyone do that? Since you don't know…
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Tax treatment of Capital Investment Bond withdrawls
We opened a joint Standard Life Capital Investment Bond in 2005 with an initial investment of £42,600. We've not touched the money (which has grown to £105,000) but retired this year and want to make withdrawls as tax efficiently as possible. The SL literature accompanying the most recent valuation states' Gains and income…
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ISA transfer from Trading 212 to Virgin Money
Hi is it possible to transfer a cash isa from Trading 212 to Virgin Money online without having to print the form and send it off pls?
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Investment mix
What is everyone's opinions on this? Have inherited approx £100k pension Moving providers, and looking at investments Am 44. Will have the option to draw down, but won't need this in the near future. So looking a set and forget investment plan. Vanguard LifeStrategy 60% Equity Fund (Acc) - 60%Fidelity Index World Fund…
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ISA offers ie rewards/gift vouchers/etc for joining/moving ISA to them
A couple of days ago I received a letter from one of our savings banks, Isa matures in Oct. I/we ie me and my OH, hold several cash ISA's I've been looking around the internet and this site, but can't find any meaningful rewards for joining another bank/etc by moving old isa at maturity to them, and/or open a new one…
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Investment ISa with medium risk but long term
Can anyone advise which S&S ISA would be best long term investment? I have £20k ( and yes other savings for rainy days). I am a novice so can’t manage it on my own but want to get something with reasonable fees too.
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Bubbles, gains and CGT
First post... but longtime lurker. We, wife and myself both mid-60s, have (almost identical) GIA accounts with ~60% in share ETFs and ~40% in bonds/ETFs (our ISAs are maxed out and we've no mortgage). The bond part's fine, this produces a steady income, a good part of which is index-linked. It's the shares bit that worries…
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Help on "Interest is counted in the tax year you can access it"!
Hi I hope someone can help me out on personal tax matter. I got a 60 day notice account and interest paid monthly. My understand is interest is counted in the tax year you can access it. My question is do interests paid on 1st Mar and 1st Apr 2025 count into 2024-25 financial year as the account requires 60 days notice to…
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Selling Octopus VCT Shares
I've been trying to sell my >5yr old VCT shares so I can reinvest in a non-VCT ISA. Octopus is entitled to only offer a buy-back window when they see fit, but there hasn't been one for over 12-months. I'm therefore going to the open market and looking for a recommendation on how best to sell these. I realise there'll be a…
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NS&I - Switching from Income Bonds to Guaranteed Income Bonds
Hi All, I have been transferring money into an NS&I regular income bond. Once I'm done, I plan to transfer the whole lot into a guaranteed income bond. I'd really like to have it pay out on the 1st of the month, or the next working day. What's the best way of achieving this? Anyone managed to do this before? The 1st…
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Better Rates or Pension Drawdown
My partner was a tax payer last year due to income from savings. This year we are purchasing a house so their income will be reduced such that they won't be a tax payer. They have funds in flexible isa's.My question is would you fill the tax free void by removing funds from isa's in order to generate extra taxable income…
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Fidelity Cashback offer for transfer of ISAs, SIPPs or Investment accounts
Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months.
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24-25 annual tax summery paye
Hi has anybody’s 24-25 tax summery turned up yet for paye.
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Shares - Bed & Breakfasting
I find myself in a position where I have to take account of Bed & Breakfasting regulations in a number of holdings caused by the shareholder buying shares within 30 days of selling others of the same type. While the legislation and documentation is quite clear that Bed & Breakfasting covers any new shares acquired either…
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Record Outflows from Global Equities
Anyone else getting jittery? https://uk.finance.yahoo.com/news/uk-investors-record-outflows-equity-funds-stock-markets-114418613.html
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Zopa auto save.
I'm having issues setting up auto save. I made one manual payment into my new Zopa RS on the 4th Oct I then tried to set up auto save a few days later to make payments on the 4th of each month but Zopa only lets you set up the day of the month you pay and not the actual month you wish to start payments. So, when I try to…
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Stewart Investors Asia Pacific management team resigns
For anyone invested or thinking of investing in Stewart Investors' Asia Pacific funds (which had generally performed well... until about this time last year), the long-standing management team led by David Gait and Sashi Reddy resigned overnight in late August.
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Tembo ISAs Online Transferring out problems
Hi Guys! Has anyone managed to online transfer an ISA out of Tembo to a stand alone bank? I have failed to find a a provider amongst several that I have tried. They do not list Tembo (or Nude that they were previously known as) as a possible new provider. Tembo customer service is pathetic and have failed to help me with…
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: Transferring S&S ISA from T212 to Investengine by topyam
19 June at 11:11PM
