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ii new price plan
I've had the email from ii about the new price plan i am currently on the £11.99 fee which will increase to £14.99 I have a joint trading account with my wife with 60k worth of shares nothing else and buy or sell on average once a month. I am wondering if it would be more beneficial to move to the core plan at £5.99 ?
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Interest on savings - can I just pay the tax upfront?
For the first time in my life I am looking at making over £1000 in interest on my savings in 2024-2025 (from 1-year fixed rate accounts I have recently opened). I am not looking for ways to avoid paying tax, but I absolutely dread having it taken from my salary via my tax code. Many reasons for this, not least being…
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Kuflink P2P - changing Ts & Cs
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,…
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Estimated Savings Interest for Current Tax Year
I received a shock when HMRC changed my tax code recently, saying I owe them almost £1000 in estimated interest on my savings for the current tax year and this means that I have to pay it over a three month period which will drastically reduce my income between January and March. I had not realised they could do this…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Paying tax on stock income
I have now made more than £3k from buying and selling stocks and am now thinking about how to pay tax on this. 1. I assume I would pay tax on this when I do a self assessment next year after the current tax year has ended. I don't need to buy tax right now. Is this right? 2. If I buy stocks now and make a loss, I can set…
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Putting Money Aside I Can't Touch
Hi everyone, I’m looking for some advice on saving habits and building a bit more self-discipline. Each month I round up my spending in my Chase account, which usually comes to around £100. The problem is…I end up withdrawing it every time. I also put some cash aside in a tin, but I usually dip into that every couple of…
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Where is Everyong Hiding Money?
I don't understand this. I've never really had enough cash in good bank accounts to have £1000 in interest but now HMRC have written to me to say they're going to tax me as I have gone over that threshold now. I would say my savings are modist but maybe I have more than I think. Most of my savings are in differnet accounts…
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Trading 212 £50 shares offer
Hi all, I'm tempted by the MSE promoted offer but have never dabbled in shares, I've only used savings accounts as an investment. I don't think I'd get massively in to it but thought with this offer I shouldn't lose in theory unless the shares dropped heavily in value? I have heard people saying to invest in different…
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Do I need to buy actual gold?
I am convinced that there will be a market crash of around 20% in 2026 so I want to put my money in something that will not be impacted by a recession and the likes. I can see some stocks on T212 that seem to be connected to gold and silver but I don't understand how it works since I am not actually buying the actual gold…
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CGT on inherited shares
Can anyone here offer advise on the above, I want to sell some shares but unsure how it's calculated with regard to value etc
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Scottish widows/iweb
Noticed my iweb account has been taken over by Scottish widows. Is there anything to wary about here or is everything basically the same?
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Banks for 12 months bond
Anyone got a savings accounts with the following banks, who aren't well known (not to me anyway!) but seem to offer decent interest rates for 12 months fixed rate savings LHV DF Capital Vanquis Bank Can you share your experience?
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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Trading 212
I,m trying to put cash into an isa with them, i,m a new customer. Ive got to the bit where i have to deposit the cash. When i press instant access, it goes to my account,goes through to truelayer,onto my bank, then it goes back around again to the deposit funds. I cant go anywhere from there it just repeats itself. Any…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Trading 212 to ii
4 weeks... to transfer in
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CityAm newspaper now partnered with Investec
CityAm newspaper now partnered with Investec, proudly announced on there front-page; wonder what this can mean for bias?
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Royal Mail Share
This discussion was created from comments split from: Weirdest Christmas flavours | 2025.
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CGT question
How does CGT work if you have invested in a series of funds through many years? I assume you report the last fund purchase as the applicable gain for that tax year if all the different intermediate funds made gains over the years that were never crystalised? If that is the case can you not avoid some CGT by buying a low…
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