-
Ecology Building Society: Online access update
The Ecology Building Society have had a rather radical update to their online access and also have a new app. Once registered on the new system, all savings accounts now have their own sort code and account number (previously a 10 digit account number was quoted as a reference with any bank transfers into their main Co-op…
-
Gia investing
Good Morning. I have been investing a while now but only ever invested into my stocks isa. Soon im going to have a large lump sum to invest. Long story short after maxing my isa contributions some to my SIPP my next route is a GIA. I have never used one of these although I know they are the same but Its now the Tax rapper…
-
QUESTION - Barclays Ordinary Shares 25p each
I need a very simple explanation, which I can't find out via Google. I struggle with numbers etc, as I have Dyscalculia. So I really need an idiot proof reply. I have 5 shares called Barclays Ordinary Shares of 25p each. I've had them for a years, and assumed they are worth 25p. I've just noticed that it says 393.08p on…
-
Seeking Sanity Check: 74yo Mum Widowed, £18k Savings + First Credit Card
Hi everyone, My Dad passed away a few weeks ago and I’m helping my 74-year-old Mum sort out her finances. I’ve done some research based on the latest MSE guides, but I’d love a sanity check from the community to make sure I’m not missing a trick. Her Situation: Funds: £18k lump sum, currently sitting in Barclays current…
-
Investing advice
hi I need some advice on where to invest my capital. I'm 55. I've been retired for three years. I now get about £800 a month from a LGPS pension which more than covers my bills and day-to-day expenses. I currently have about 380K in capital that is split between investco BIPS, VLS80 and short-term money market. I also have…
-
global funds
ive posted here before and have been reading a lot , gaining confidence in investing after a late start at 50. I have most of my money in HSBC global balanced fund and was happy with that but didnt realise how concentrated (seemingly as most global trackers are) in tech in the US. Fine if youve already seen the upside but…
-
Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
-
Crypto.com withdraw problems
Hi all, My wife invested £250 into crypto.com about 7 years ago and forgot about it until recently. She contacted them and got a call back yesterday. The guy who she spoke to named Oscar spent 3 hours trying to help her but there wasn't a way to create a link from the crypto account to her English bank account because the…
-
Impax tender April
Despite making a good start to the year in recovering a bit of its downward trend, partly maybe because of the first tender offer , Impax has lost 10% in the last month, 1.5% in the last week. With the war appearing to overall be escalating despite Trumps assurances of near deals etc , how wise or not do folk think is it…
-
Tax efficient way to save for child's education?
Hello everyone, I'm hoping to get a bit of advice. I'm currently an additional rate taxpayer as I work as a contractor which means a relatively high day rate but no pension/annual leave etc (I put a good % into a private pension to reduce tax). I have a 3 year old daughter who is currently at the pre-school (nursery…
-
Maturing Charter Fixed term bond ISA
They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…
-
Interactive Investor Advice/Managed Portfolios
Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…
-
INC or ACC ?
I will be investing in index funds (OEICs) using my cash ISA (37.5%) and cash (62.5%). My plan is to use the entire cash ISA to invest in one Income (INC) fund, in case I need to replenish my cash ladder. (I hope my other plan works; if so, I can keep the income reinvested, even though Interactive Investor (ii) charges a…
-
Ethical ISA investment — sanity check appreciated
Ethical ISA investment — sanity check appreciated I'm 52 with a ~10-15 year horizon. I have £74k sitting in underperforming cash ISAs, backed by £50k in Premium Bonds as a safety buffer. I want to move the ISA money into a stocks and shares ISA — long-term equities. I have hippy tendencies so won't fund weapons, fossil…
-
Seven Investment Management (7IM)
My IFA wants to transfer my holdings from Transact to Seven Investment Management (7IM). I understand the reasoning, but I have never heard of 7IM. Anyone got any experience of these guys? www.7im.co.uk Thanks!
-
Holding off investing in fixed terms?
With the rises in inflation that we are going to see in the near future, and the probable rises in interest rates that this will bring are any of you putting off putting cash in fixed term deals? Also with the ISA allowance coming up again in a couple of weeks would you hold the trigger on them also? I would normally take…
-
Savings accounts you can automatically transfer out from
Our daughter has a Junior ISA maturing and we want her to transfer this to another account. The money is a university fund and what we would like to happen is to have a savings account that can be set up to automatically transfer money out via a standing order. We want the money to go into her current account as if it is a…
-
NS&I to pay compensation to bereaved families over account tracing failures
Tens of thousands are set to be compensated by state-owned savings provider NS&I after it failed to properly trace the savings accounts of deceased customers, leaving bereaved families struggling to access their cash. Here's what we know so far… Read the full story: NS&I to pay compensation to bereaved families over…
-
Flexible ISA
Struggling to find a flexible ISA provider where direct gilts are available … Freetrade - very small conventional gilt selection, no ILG Trading 212- None, ETF only Lightyear - None, ETF only Fidelity - None, ETF only Barclays Smart Investor - Possibly but didnt like the lack of app functionality so transferred out Any…
-
Help with a investment possibly Hampshire
Hi Have a large inheritance invested for my future im 53 (with Quilter) stocks and shares Isa paying 7% into my pension which my work match mortgage free no family Tesco shares £11k approx Now I have £20k to invest £10 in Atom 1yr £5k in a virgin 2.9% higher rate ended £2k in everyday virgin account which my wages go into…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
