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Bad time to buy stock?
I have been moving money into stocks but realized that both the S&P500 and the FTSE100 are at an all time high which did not bother me at first since it is possible for them to still grow in one year's time. After checking the graphics historically I noticed that nearly the whole growth stems from 6 months of increases up…
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Zopa Biscuits Transfers..
A bit of advice please , signed up to a Zopa account but a bit confused on how the bonus system works. Does £500 have to be transfered every month into the main account to get the bonus interest rates ? Could I setup a direct debit from my starling account into the zopa main account and then an automatic transfer into the…
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Silver and the US
I have been putting money on Silver on the LSE which is working out well but today I noticed that when the market opened at 8am it took a minute or two for the ticker to start updating and then suddenly it shot up quite a lot. I do not believe that the movement was natural as it was too sudden so I really don't think it…
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Transferring USD to GBP?
I received some RSUs from a previous employer a few years ago. Recently sold these so have just under $10k that I need to withdraw from E*trade and then want to transfer to any GBP account.I found some old threads on the Forum that suggested Wise or Revolut but as these threads were a few years old I wanted to check if…
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Alternative to Hargreaves Lansdown
Does anyone know of a better alternativ to Hargreaves Lansdown for Stock & Shares ISA's, Cash ISA's and Savings accounts?
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Personal Finances
I have a current account, savings accounts, a work based pension plan, a private sip, a defined benefits pension, uk premium bonds, a credit card and an house. I wish there was a single application where I could monitor all of my finances anyone fancy getting together to build a new company to manage personal finances
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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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Best way of funding the 4 yrs before State Pension
Does anyone have thoughts about the best way for me to fund the four years before my State Pension begins? I have £190k in cash savings and £79k in investments. ISA and pension allowances are filled up this year. I’m mortgage free, married, and have a very modest lifestyle. My only income is from the interest from these…
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App to track all accounts and imvsstments?
Does anyone know an app that tracks all savings and investments? I need one that covers everything. In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few…
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Nationwide 5.5% (FIXED) Member Bond
18 Month Fixed Rate of 5.5% on upto £10,000 Online: https://www.nationwide.co.uk/savings/member-exclusive-online-bond/ In Branch: https://www.nationwide.co.uk/savings/member-exclusive-branch-bond/
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Kuflink IFISA - anyone doing it? Some doubts / clarity needed
I want to diversify and looking at kuflink They obviously have a very compelling article but don't seem to explain the details of the compounding / rolling interest when subbing to their deals www.kuflink.com/blog/if-isa-beginners-guide-to-earning-1m-interest-tax-free So my question is: - If I put X amount every year in a…
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Tax on interest
I am still getting my head round the change to my personal allowance code and the tax I am paying on my savings interest. I have added together all the interest that I earned in the tax year 24/25. I certainly go over the £1000 but it still is less than the £700 odd amount over that HMRC say. Most of my regular savers add…
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Leeds Building Society - problems logging in
Please, is anyone able to log in to Leeds Building Society? I have been unable to do so at all today. I've cleared my cookies, used two different browsers and also my phone. The process hangs up part way through. Thanks in advance for any information or suggestions.
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Atom app problem RESOLVED
Is anyone else having an issue with the Atom app today? When I try to log in it tells me there is a connection issue and that my device isn't connected to the internet. I've tried using both wifi and 5G and get the same message. The phone is actually connected, and every other app I've tried today works fine.
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Has your Chip account unexpectedly changed to ChipX?
I checked for the expected £1.50 charge of mine and my wife's Chip+1 accounts today to find that we've both been charged £3. On investigation it seems that we've both been changed to the ChipX account despite neither of us intentionally doing so. Has this happened to anyone else?
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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
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: Principality Cash ISA's by subjecttocontract
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