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Taking delivery of certificates on ETF shares
Is this possible? And if so who do I makes the request from, my share broker, or the stock exchange or who trades the stock. And finally how do you go about it Thanks
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Mindset over finances - am I the only one
Hi A bit of background I’m 36 yrs old, single own a small home worth £120k - mortgage of £65k savings/investments of £55k I always feel like I don’t have enough money, and have a bit of a ‘fear’ of not having enough to live on in retirement, even though it’s a long way off i stick to budgets and feel as though I’m ruled by…
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Income Tax across Pension income and Dividends
Maybe this is a dumb question, but I am going to ask anyway. If I have taxable income across two streams - pension income and dividends as follows - Pension Income of £14,000 Dividends of £2,000. The total taxable income is £16,000 so tax is obviously due. If the tax free allowance is £12,570 - tax is due on the remaining…
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Estimating / Calculating Dividends on Acc. units and ITs
Hi, I am trying to calculate the notional dividend income as accurately as possible on some accumulation funds and investment trusts. This is to try and work out my tax position as accurately as possible for this 2024/2025 tax year. I totally appreciate that dividends are reinvested on acc units, but there is still income…
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Just can't get the staff these days
So in the past couple of weeks, I have received 3 emails from institutions regarding rate reductions that contain incorrect dates. HTB, Paragon and Monument. The first 2 referenced the year as 2024 for changes to take effect in Jan and Monument stated the date of the email rather than a future date for the change.I…
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Trading 212
I have an account with Trading 212 and hold shares in an ISA. I received an email form them offering daily interest on shares and was wondering if anyone here has any experience with that, good or bad.
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VCT Total Return website?
Hi All Does anyone know a goos website that shows the Total Return from VCT’s? I am struggling to get the answer I’m expecting from Morningstar or ft.com (when comparing to my actual return in the past) thanks TT
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Faster payment posted vs transaction date for interest purposes
Hi, I have a savings account. On the statement it shows deposits into the account. For each deposit it shows 1) Date 2) Description. Some deposits are like this : --------------------------------------------- Date : 20/12/2024 Description : Faster payment --------------------------------------------- Some deposits are like…
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YBS App
Anyone having issues with the YBS app today?, was logged in fine earlier then went for another login and it's come up like I've never used the app, now asking for username/customer number etc
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Reclaiming Capital Sum from an Annuity with Rothesay
On behalf of my father. He has an Annuity from Rothesay which pays out just over £200/year which he took out for his wife in the early 90s. He is keen to get back the capital sum to help pay for care home fees for his wife. However, he's now discovered it's 'non-communicable' and that's what he would have signed up to.…
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Building Society Demutualisation Carpet Bagging
Opened lots of building society accounts in the late 90s, in case they demutualised and gave windfall shares or payments to their members. Many years have now passed and I still have accounts with Nationwide, Hinckley and Rugby, Newbury and Yorkshire, each with a couple of hundred pound in. Before I close all these…
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Banks/Building Societies NOT reporting to HMRC by the end of June
Neither me
or my wife had received a P800 for the last FY. I phoned
HMRC yesterday to ask them if they were sending out the forms because last year
we’d received them in October and I knew full well that we’d owe them money and
I’d rather pay them the money than have my occupational pensions reduced each
month. Last…
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Principality building society payee details.
Hello. Can somebody tell me if l still use Business when creating a standing order with PBS? I know you use your name instead of PBS now.
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Fixed rate bonds newbie question
Hi, am I able to have more than one fixed rate bond? Reason for asking is I have around £120k to invest but notice the total amount I can invest into a bond is £85k. So could I use my remaining £35k on another fixed rate bond? Or is the total maxed out at £85k per person period?
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Fixed rate with monthly interest paid to a nominated account
Hi all looking to invest around £80k in a 1 year fixed savings that pays monthly interest into a nominated account any ideas? 🎄
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Investing savings for elderly relative in care home
My dad (93) recently moved into a care home and we have just
sold his house. The care home fees are mostly met through his inflation-linked
pensions and attendance allowance but there is a £8k a year shortfall which the
c£240k proceeds from the house will make up. I have PoA and manage his money for him (he has mental…
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What to do with 150K?
What/where would the best place be to put 150k? Currently have investments with St James place but at a very hefty 5% which is £7500 to give them more money doesn't particularly appeal to me. Ideally I would just like to deposit the money and watch it grow (hopefully) really dont have the time or knowledge to be playing…
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Chase Saver rate reducing by 0.25% - base rate offset increasing to 1.5%
From email..
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Online registration using bond holders account no
I have been trying to register my premium bond number online to enable me to purchase premium bonds. My bonds were originally bought by my mother probably 60 years ago. I have recently found a yellow card from nsandi with my bond holder account no My name and date of birth. I have repeatedly tried to input this information…
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Chase savings boost - for new customers
How do existing customers feel about this? https://www.thisismoney.co.uk/money/saving/article-14177065/Chase-boosts-easy-access-savings-account-1-25-fire-best-buy-table-new-customers.html Signed, An Existing Customer
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.1K discussions
159.1K comments
Most recent: Tembo cash ISA transfers out by Ed-1
28 August at 8:09PM
