-
Savings products on apps
I notice that the best savings rates only seem to be available via an app. Some others have an app as an option. With the spate of phone thefts, it's bad enough risking a theif being able to access one's bank account, but who wants to risk their savings like that?
-
Clueless: may have 42K coming in as a lump sum, what should I do with it?
I'm disabled, and have been on benefits (including means tested) since childhood. I have had a letter from the council recently, saying that they have charged me care contributions when they shouldn't have (because of section 117), and that they owe me 42K (as it's been over a decade). Obviously I will have to come off my…
-
St James Place Partnership
Yes i am amongst those who handed over the investment of my pension to SJPP. I draw down about £8000 a year for the joys i which i seem to pay £4000 in charges on a fund of £230000. Hssve to say those charges are not easy to see on my online platform dashboard. Now i am 70yrs ans have been receiving a pension since i was…
-
JISA for 8 year old to buy and forget ..
can anyone recommend a JISA for my niece .. Looking to give a lump sum of around £2000 split between a a world ftse tracker and a Legal General tech. She is 8 years. The parents will be doing the setting up . Maybe topping up yearly on birthdays but most likely buying and forgetting about so something easy to setup with…
-
NS & I Refusing to pay matured Child Bond
My daughter turned 21 yrs old this year. So I dug out the original child Bond and letter and then claimed it only to receive a letter back saying we changed to a computer system, have no record of your Bond and therefore we have paid it and then every reason given as to why I can't try and get my daughters savings. This is…
-
NATIONWIDE BUILDING SOCIETY
I went to
the Nationwide Building Society on 1st November 2023 to transfer my old
existing Nationwide cash ISA to a 5% 2-year fixed rate cash ISA with no additional
funds being added or any removed. I have been a member of Nationwide since the
1980’s. I was asked
my income, this I considered to be an unnecessary intrusive…
-
St Jamess Place is it worth putting in a complaint to try and get things clarified
Long story short, for over 20 years my late MIL had a SJP trust which was intended to provide some money for my husband at her death, outside probate. The original "partner" retired long ago and the account was passed to another "partner" - we don't know on what basis. On the whole this wasn't a problem, but they were not…
-
Sainsbury/prosper 3 month savings
Hi I went to invest my money and was asked to transfer money to Bondsmith savings LtdI do not know who they are and If I should go aheadDoes anybody know wether it is a genuine investment company?Raymond
-
Large lump sum savings best options.... and associated tax?
Hi all I had a quick look at the sticky regards easy access savings accounts: https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/?_gl=1*8go89e*FPAU*MTY0MDMzNTQ5Ni4xNzMzNTY4NjM5*_ga*MjA2MTIzNDIxOC4xNzMzNTY4NjM4*_ga_X74CWQS9F0*MTczMzU2ODYzNy4xLjEuMTczMzU3MDExNy4wLjAuMjAyOTM4MjYxMg.. I have a 6 figure…
-
Advice needed - Is a GIA the best option after ISA is utilised?
I have utilised an SS ISA fully for this year and then also opened a GIA and started investing in there, it has 100k, I've got a work pension that I contribute the maximum to and get an employer match. I plan each year to move money out of the GIA into the SS ISA and hopefully minimise any CGT or dividend interest. I've…
-
Prudential demerger to M&G plc in October 2019
I've been looking through old paperwork and found some regarding some shares I hold. I was an employee of Prudential many years ago and accrued 260 shares as part of my share option scheme. on 21 October 2019 the Pru executed a demerger and I was given M&G Plc shares. The same number, 260. The share price for Pru on that…
-
Account Recording
Is anybody aware of a free App or software that would record bank Account details, for example Name of Bank, type of account, account No, sort code, dates open & closed, interest received yearly etc. I dont need anything that records transactions. Thank you
-
Fixed rate/term saving accounts - best around?
Hi - I know there is the Regular Savers thread on here, but I was wondering where people were locking away chunks of money (i.e. best NON-Regular Saver) as my latest fixed rate account has just expired and reverted to 1.5% I have come across Principality's 5.15% fixed for 12 months which is most appealing at the moment,…
-
Selling Overseas Shares
Hello, I am not sure of the history, but my mother has some shares in Bluescope Steel, on the Australian stock market. Had them for years. She is a British UK resident and just wants to sell them. I did look a few months ago and struggled as most needed you to be an Australian resident, and have an Australian address. Any…
-
S&P 500
Hi i was wondering does a simulator / calculator exist where I can experiment with contributing and withdrawing from this index over a set amount of years based on a starting figure as it’s important for my future planning. Any advice much appreciated.
-
Crypto Tax on profits UK account (moving abroad)
Im a UK citizen at the moment (born UK), however I hold a US Passport as a dual citizen. I expect to be heading back to the states sometime in 2025 or possibly Thailand, but likely will base myself stateside. I want to know which taxman will have his hand out when i decide to pull the profits out of my crypto wallet to…
-
Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
-
Sold/bought meme stocks for years. Finally made a total profit. How to work out & pay tax?
In hindsight, I am ashamed to admit this, but... I got into GME meme stock a few years ago. It went down in price and I panicked sold for a loss and then re-bought more for a few years and "averaged down". This made my average per share stupidly high. This was in Revolut as I had no idea about tax implications. Eventually,…
-
Paying into workplace pension
A question for a friend... can you pay a lump sum (c.£20k) into a workplace pension (Royal London), not from salary but from a bank account? And do it as a personal net contribution so that RL reclaim tax from HMRC?
-
Switching from distributing to accumulating fund ISA
Hi everyone, Earlier today, I had another question regarding my ISA which was answered in the other thread. Now I have different questions, so I opened a new thread. I opened my ISA last year through iWeb, and bought two funds that are both distributing. I now realize my mistake. I don't plan on withdrawing any money from…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21K discussions
158.2K comments
Most recent: Being Indirectly Taxed on "Tax-Free" Personal Savings Allowance – Is This a Mistake? by LITRG
Today at 1:28PM
