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capital gain tax on stock market
is each individual exempted from paying CGT for the first £3k gains, inclusive of the stock market, per annum?
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Zenith Bank
I've just opened a 6 month fixed rate account with Zenith using the link from MSE. Should have done some research but assumed it was OK as on MSE. I'm now worrying that this is not a trustworthy bank and my money has been lost. The telephone number appears to be manned from a woman in her kitchen who can't answer my…
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Maximising starting rate for savings before leaving UK permanently
Hi there, Looking for some advice to maximise tax free interest income and got some questions and hope I can get this clarified or at least be pointed in the right direction. Assumptions: PAYE income from employment 54k p.a. Expected departure date leaving UK permanently 1st of June or 1st July Starter rate for…
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Help deciding how much i need in Emergency fund
Hi folks, I've (probably badly!) searched the forums and struggling to find discussions on how much money i need to save for emergency fund. I've been pretty obsessed with getting my savings pot up to £20k. Both husband and i were made redundant at the same time a year last Jan (we were doing the same role at the same…
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Regular Savings Accounts: The Best Currently Available List!
The information from the first page of this thread has now moved to a thread maintained by Bridlington1 instead. You can follow this link to find it: The Top Regular Savers Discussion Thread — MoneySavingExpert Forum
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Old TSB shares
I have found old TSB shares (1987 & 1989). I have checked with the registrar that the certificates are still valid and they are. My question is - where can I find out what the share price was on the dates on the certificates. Trying to track it down on the internet is frustrating as it gets confused with the current…
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Is it a good time to cash out my US shares?
Hi all, I would love to hear some advice on what to do with the US shares that the company I work for has given me. They’re worth $15k, and I was planning to leave them as they are, as they’ve been growing over the last few years. However, with everything happening in the US at the moment, I’m quite concerned that the…
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Unclaimed asset in Colonial Mutual
I have received a letter from Rightful Claims from Australia that they have found an unclaimed asset in Colonial Mutual UK . They want me to sign up with them for a 30% commission of the unclaimed asset. I did have a policy with Colonial Mutual but I thought it had paid out. The policy is in my previous married name and…
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Beware Atom Instant Saver Reward!
Please note that monthly interest paid on this account (currently 4.85% AER @ 8th November 2024) is paid back into the saver and NOT into your connected bank account. If you want access to this interest (leaving your savings amount untouched), you have to make a withdrawal - in which case your interest rate drops to 3.25%…
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Tips for Maximizing Savings and Investment Returns
Hi everyone! I'm looking to gather insights and strategies on how to effectively save and invest my money. What are some tips or resources you recommend for maximizing returns on savings accounts and investments? Any personal experiences or advice would be greatly appreciated!
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Tax year of interest payment to a current account from a Fixed Rate saver
Hi there. For tax purposes, which tax year would an interest payment to a separate current account from a Fixed Rate (no access) saver be classed in? The account matures in May 2025. I cannot make any withdrawals from the account until then, so I cannot access the account during this tax year. There was an interest payment…
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How much debt?
How much debt do you have? I’m 54 and mine equates to about 30% of my total assets (property, business, pension), which sometimes feels a big number. But it generally comes down a bit each year. I try to think long term, and not panic, but I expected to have less debt at this age.
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Savings or Pension?
After a bit of advice here guys. I have £75k in fixed ISA (1 year) Around £20k in various savings accounts, mixture of 6 month/12month and easy access. £3k in work pension. I bit of detail about my personal situation. Mid 40's, and mortgage free. I work part time-ish, and earn about £24k per year. Was previously…
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YBS web issues
Anyone still having issues with YBS website? yesterday it took me around 6 attempts to get into my account during the day and today much the same, after 3 goes it just says not available. I can get in via app but it wont let me use a debit card in the app only via website.
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Tariffs - response...
So the first round of tariffs was not a bluff. How does it affect fixed interest investments? It is not going to dampen inflation, so my first thought is to move money from an aggregate bond fund into cash pretty quickly (something like CSH2).
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chartersavingsbank 60 day notice
Need another £5k out of my chartersavingsbank 60 day notice account by April 6th for an ISA . When i log in and try to withdraw the £5k it just asks if i want the money by tomorrow? It makes no mention of 60 days notice, does anyone know how it works.
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InvestEngine experiences?
Just wondering how people who are using InvestEngine are finding them? I’m considering transferring my sipp and isa over.
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Regular investment of £500 per month. Who to invest with?
Hi all, thanks to a pay rise, we are in a position to invest £500 per month. Which company would it make sense to invest through? I’m reading lots about fees and I see that Trading 212 is mentioned a bit. Would they be ok for this regular amount? I currently have a ISA with Vanguard which is just £8000 so I will also be…
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Charting tool - for non clients
I am just finding my feet in learning how to evaluate my funds' performance. I would like to use a Charting tool such as Trustnet as a non-cleint. Is there a way to add funds to a portfolio, by using either the fund name or the ISIN Number, ie without entering all of these details: - Investement Type - Management group -…
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Vanguard FTSE All-World High Dividend Yield UCITS ETF
Hello, https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-all-world-high-dividend-yield-ucits-etf-usd-accumulating/overview I understand "Vanguard FTSE All-World High Dividend Yield" is bought for income. But when should one consider buying the Accumulation version of this fund? The "FTSE All-World High Dividend…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.2K discussions
159.6K comments
Most recent: Keeping track of isa allowance by masonic
21 September at 7:32PM
