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CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
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Share scam ??
Hi, Just had a phone call from an Alex Jones, (from BLM New York,) asked for me by name, said it was about my shares with Centrica and a merger between Centrica and another company, they are prepared to pay between £8 and £17, he wanted to send me details in an email, I told him I don’t talk about finances over the phone,…
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How to report a bank for incorrect tax reporting.
Hello. I have complained to a bank, because I have discovered a fairly niche pathway that leads to them misreporting customer tax interest on savings, to HMRC. I complained to the bank in question, they accepted fault (verbally), and sent me a sum of money which covers my additional (but incorrect) tax liability, so I can…
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Barclays smart investor removed platform charge
Received an email from BSI to inform its free to hold investments on their platform from 31/5/26 and name is changed to Barclays Direct Investing
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Monmouthshire BS Regular Saver 6%
For those who opened the Monmouthshire app exclusive RS at £1000 per month at 7% as well as the Regular Saver at 6% last August now is the ideal time to close and reopen the 6% one as it is still available to avoid the problem of £18k maturing at the same time I requested closure this morning after having zeroed my account…
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Savings - Best place to start?
Following a messy divorce, I have 45k that i need to get into a better savings account(s), and Im not sure whether and how to split this - i dont have an ISA, I previously had a chase account which had a decent rate, but thats ended now. I own my own place, no mortgage. What do I need to think about when considering where…
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Hydrogen Capital Growth
They have been delisted, but my last message from HL states "The details of the return of capital have not yet been confirmed by the company." Shareholders who own private shares and wish to trade can do so via a Matched Bargain Facility, which is what Google came up with. I have no idea how much I own; my original…
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NS&I 5 Year Index Linked Savings Certs vs Cash ISA over 5 years?
I appreciate no crystal ball etc., but with the way things are and assuming no need to access funds in the next 5 years, what would you be inclined to do? Leave funds invested in a 5 year ILSC term or withdraw and maybe invest into fixed rate cash ISAs every year (starting with 20k 2026-27) - with the balance in an easy…
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SMT thoughts and advice
I unfortunately bought some SMT towards its peak and have been sitting on a loss ever since. The share price has now picked up and I'm actually in profit and was thinking of selling until I saw some chat in the Citywire forum regarding SMT and the Space X IPO. Could someone explain how this IPO will likely impact the SMT…
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US Markets Risk
Morningstar articles about investing tend to be informative rather than fluff pieces, many are an excellent trove of information. Below is an article that attempts to quantify the risk in US markets currently, supported by understandable metrics. (see the graphic entitled, Market Themometer). "I like this chart because it…
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Closing Leeds Building Society Regular Saver
I'm trying to add a nominated account, but my first attempt was apparently not an online account, and so I've tried adding my Kroo account but the account details aren't recognised. Where do other Leeds Building Society account owners transfer their money to? Or do you just wait for a cheque? I am a bit bemused by this,…
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HSBC Premier Transferring VLS40 S&S ISA...
Hi All I've opened an HSBC Premier and need to meet the conditions by having £100k of 'investments'. What I'd like to do is transfer £100k of my existing Vanguard S&S ISA to HSBC and invest in a similar, self-managed way. Can anyone offer any advice on how to do this? Most of the links and help guides ask me whether I'm…
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Bare Trust
hi I’m looking for some advice. I’m executor of my late Uncles will and he has left 15k to my son and 15k to my nephew when they turn 18 which is 4 years time. I am classed as trustee as executor. I’ve been trying to set up an account to put the money in which is proving difficult as only certain banks do Trust Accounts.…
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Alternatives to Vanguard funds not available on etoro
I’ve just switched my ISA to etoro, for the 3% cashback. ISA was with Vanguard and invested in their Sterling Short term MMF and uk gilt UCITS ETF. Couldn’t find these on etoro, so need to find alternatives. Key things for me are monthly income, and low cost. I’m not too concerned about capital growth as I’m not touching…
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BG Share Floatation 1980's - CGT Calculation?
Hi, I purchased 200 BG shares when they were privatised in the 1980's. I held on to them and over the years they have spun off, merged, split, etc. Now, in 2026, I hold shares in Shell, National Grid and Centrica. All of these are derived from the original 200 BG shares I purchased in the 1980's. I'm now retired and wish…
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Abbey Wealth - whats happenjng
I have been with Abbey Wealth for a while now and getting no luck contacting them or getting hold of my advisor. Anyone else having any issues?
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Skipton new app
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…
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Will Vanguard allow transfer away part of a single ISA account?
If I have £200 in a S&S ISA with Vanguard, liquidate and fund investments back to ISA cash, can I then transfer £100 of that to another ISA, or does it have to be the entire account amount?
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Regular savers requiring deposits from one account only
Manchester BS Newcastle BS Teachers BS
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ReAssure (formerly Skandia) Maximum Investment Plan - tax on maturity?
My wife and I set up an MIP (with the then Skandia Life) back in 1998 on the recommendation of a financial adviser. The main selling point was that - provided it was maintained for 10 years or more - any withdrawals and/or eventual payout on maturity would be free of personal and capital gains tax. This seemed attractive,…
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: Worst Cash ISA transfer saga … by auser99
2 July at 9:48PM
