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NS& I Children's Bonus Bonds
I'm just wondering if anyone has had trouble cashing in their old Children's Bonus Bonds? My daughter has £250 worth of bonds bought for her in 2000 when she was born. We never received updated statements over the years like we were meant to, so had sort of forgotten about them after all these years. Upon finding the…
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Bank accounts which can manage payee accounts with different reference fields
There has been some discussion on the Regular Savers thread about which bank accounts can manage having payee accounts with different reference fields (as some banks are unable to cope with this), such as when you have several savings accounts with the same building society and deposits need to be made via the same…
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How would you save spare 1.5k per month🤔
Hi, I have worked out my finances and have a spare 1.5k per month. I am 51 years old and aim to save for a minimum of 10 years. My mortgage is currently 1.59% for another 2 years. I’ve got a Trading 212 and Revolut account and have been looking at the different options. I have also been reading about investments but I am a…
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Bath BS
Seems I've got 3p in interest in my account, am I right in thinking I've got to have a minimum of £50 in my account to be able to withdraw to my nominated account?
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Ulsterbank loyalty saver - where does the interest go when closing account
Hi all. I opened (eventually) this account last year when it was paying 5.2% on £5k+. Now UB have lowered their percentage rate today, so I've moved the money and closed the account. Having spoken with a human on the anytime banking number, it transpires they're unsure. I spoke to 2 people, one in Liverpool and she…
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top easy access
Hi. I have a regular 10% fixed savings account. Reading on the main website it is sugested that I put any available cash into a top easy access account and drip feed this into my 12 month fixed interest account each month. £250 per month for me. The problem I see is these top easy access acounts will only allow 3…
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NS&I Green Bond
Hello, I have a 3 year Guaranteed Growth bond maturing in early April. It isn't a very large amount as the interest rate on this bond was rubbish 3 years ago. The NS&I web site are offering a new Green Bond @4.20% which this old money will automatically roll over into if I don't tell them to do anything different with it…
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NuWealth GB Bank Bondsmith Savings Ltd :-0
Hi. Does (or has) anyone here use (used) an App called NuWealth? Since my easy access saver cut the rate at the end of the year to 4.40% I was looking around to see if there were any that were 'significantly' better and found one at GB bank that offers a top up via NuWealth App which pulls it up to…
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Another Newbie ETF question.
Hello all, As im trying to educate myself further, I have another question. https://stockanalysis.com/etf/jepq/ is listed here @ $56.30 however if I look on my Trading 212 account its listed @ $25.72. The name is the same and the ticker code & the ISIN number, but the price is differnet. Could some explain what the…
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Basic question re CGT declaring a loss
In tax year 2023-2024 I traded a bit in GIAs. On one account I made a circa £700 capital loss trading an ETC (sold the lot at a loss late 2023). On the other account I made a circa £700 capital gain trading a few individual shares (also sold the lot late 2023) My question is, do these two transactions cancel each other out…
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NSI Growth Bonds...maturing
We, like I assume many on here have NSI Growth Bonds about to mature... The lower renewal interest of 5.15% seems OK for a further year, for a no hassle, risk free savings account. Is there any reason not to click and continue...? (Could NSI reduce/stop this renewal rate, as they did with last years 6.2% offering when they…
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CHIP Savings - beware!
My husband and I hold savings accounts with CHIP. We also each have CHIP Prize Savings accounts. My husband recently won 2 x £10 prizes - woo hoo! BUT CHIP took one of the £10 prize money back a few days later, without telling my husband; no email, no telephone call. It was only when my husband emailed them that they said…
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Saffron Issues
Thought it might be a New Year's Day thing but I still can't withdraw my monthly 4p of interest to my nominated account, app says it can't get my payees list up. Been to website, there's a message saying Important MessagesWe are sorry that some customers are experiencing difficulties when attempting to transact on their…
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£450k investment
Hi all, I have £450k to invest for an income and am not sure whether to purchase a buy to let property or put the money in something like an NS&I Bond. What are people thoughts? Thanks
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Tax allowances on savings
I have never been able to fathom why the Personal Savings Allowance is not shown in the letter we receive to show the calculation of our tax code. Can someone explain?
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sipp performance
after best art of a year my sipp has returned 3.05% (2 hsbc global strategy funds) as a new investor I wondered how this compares to other peoples returns this year i have around 15 years till retirement and left it late to start, are people concerned about world events / trump and is this affecting anyones decision making…
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What3Words Investment
Hi, is it worth investing in What3Words? I can find little or no data about possible returns! Any advice appreciated.
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US fund "ideas"
I think 'ideas' must be my least favourite word in the investing lexicogaphy, and I pay scant attention to their relentless churn on the platforms' sites. But HL today said "There are good reasons to believe that the impact (of Trump's victory) on the US stock market could be positive, and particularly so for smaller…
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Bond funds - short term
I have held the Vanguard Bond fund VGOV for many years as the counterbalance to my equity holding. Of course the price of this took a big hit in 2022 but the yield is now a respectable 4.15%. I note its effective duration is 9.34 years Even so, now in retirement I'd like to add less volatile funds and bonds to deliver…
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What to do with £500 per month?
As the title says ... Are there any particularly wise places to put this cash? I have a few ISAs though nothing from this financial year so I could add £2k plus a bit before April and thereafter in the next financial year. My risk profile is about 6 for my pension pot so are S&S ISA worth a look? I would be looking at…
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