Savings & investments

The above account has now reduced in interest, can i close it and open another, if so then how as i don't see any option to close it on the website.

I got a letter through the post today from Equiniti, offering to charge 6p a share (max £25) to sell my 487 shares. They seem to be doing a sweeping exercise to get rid of small holders. I am inclined to think I should keep the shares as they are expected to increase in price and advice on google search is that you should…

Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…

Anyone else here receive their new terms & conditions? Key points include them NOT using their own capital to cover any losses, & also something about them not taking on the first 5% of loans 🧐 Sounded to me like nothing positive for an investor, & as a consequence, we will be withdrawing our funds (not a significant sum,…

I am due to inherit over £100000 in the next few days. Where is the best place to put it? I am hoping to put it towards a house so it won't be locked away for too long although would like to save some. Also, I will lose any help I receive from UC so will have to use it to top up my wages until I can get more hours at work.…

Other half has been updating HMRC about interest on savings. They have told him he received £1.20 actual interest from Nationwide. Can only give him last 4 digits of this account. N/W have no record of this account. He has tried My lost bank account and Gretel but no luck Any advice, what to do next

Lloyds has launched an Online Fixed Bond which pays you the 4% interest upfront. https://www.lloydsbank.com/savings/upfront-interest-online-fixed-bond.html

Hello all, I am a newbie 🙂 A relative has kindly offered my husband and me £10k to go either towards a house deposit or therapies for our disabled child. We are in our late 30s/40s and are currently renting to be near our child’s special school (housing very expensive there). We hope to one day move out of the city and buy…

I have 600 Lloyds Bank shares that I was given as part of the takeover with TSB back in the early 90s. I want to sell them and I've been offered a price from Lloyds Bank themselves which I'm happy to accept but I wanted to know am I going to be liable for capital gains tax even though the amount is less than £800 . if not…

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…

This is purely hypothetical, and based on the fact that Scottish Widows doesnt support Two Factor Authentication. What happens if someone gets access to your password/s (even if all password are strong, and unique) and logs into your investment platforms and drains the account!? Is the platform required to compensate you?…

I've noticed that whenever I buy into a stock, after doing all the research and stuff. It always drops the day I buy in, and continues to drop for the first few days after I buy in. Long term my positions do go up as I seem to have a natural ability to pick generally good strong companies. I've never tracked this statistic…

Received these today relating to their migration to the new platform later this year and a couple of changes jumped out at me.Firstly they are doing away with the 1K requirement to get the full rate on easy access accounts. Not a biggy but at least now with £1 in the account you can see the true rate of interest that the…

My wife has a few thousand in an ISA account and because of low interest rates decided to transfer it to Yorkshire Building Society. After a month Yorkshire sent me a message which stated that "Shawbrook are not in a position to proceed with the transfer". I also had an account with them and last November I transferred to…

Previously there has been a couple of threads discussing whether it was a good idea to carry all your personal finance info ( pensions, savings etc ) around on your phone, especially if the sums involved were significant. One scenario mentioned was being forced to open apps etc due to the threat of violence. A very…

Skipton have published a new app which I was notified of when logging-in on the old app this morning, it's called "SBS by invite" on the App Store, and seems simple enough to set up and start using, one improvement I can see is the ability to view closed accounts… Shame I only have their easy access with a £1 balance in…

The price for Vanguard FTSE Global All Cap Index Fund (VAFTGAG) fell 0.73% yesterday to 294.70 with an "As at date 15 Oct 2026". Normally I would expect the price to move in line with US markets given that over 60% is invested in US stocks but yesterday the S&P500 closed up 0.33%. Any explanation why this might be?…

Hello group, I am after some advice, I currently have a 2nd property that is lying empty and i have 2 different thoughts about what to do with it. Firstly is to rent the property out and create a passive income for the foreseeable future, However I am worried about the people that I get into the property and any damage…

I have just had a I yr fixed bond that has come to an end and on maturity it was transferred to a new Bond Issue 92 paying 4.82%. Is it worth me cancelling this Bond and moving it into Issue 93 paying 4.99% as it is within the 30days?

Just tried to open a new savings account with Cynergy Bank and got a email saying To complete your application we need you to provide the following documents which should be sent to the address below within eight calendar days (from the date of this email): Is this now the norm to open an account??????? To complete your…