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MSE News: Premium Bond prizes worth £92 million still waiting to be claimed
Nearly 2.5 million Premium Bond prizes worth a combined £92 million remain unclaimed, according to the latest figures. Most bondholders now get prizes paid automatically, though this may not be the case if you have older bonds. Plus, prizes paid by cheque may be unclaimed if you haven't kept your address up to date or…
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H2B and LISA and inheritance
My son has a H2B ISA but has now inherited a share in a property. This is only worth a small amount, less than the level where the SDLT surcharge becomes active on buying his first home. Is there a similar de minimis level for the ISA or is it simply you own another property so no bonus ?
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Junior SIPP selection
I am considering opening a Junior SIPP with Fidelity for my children. This is a long term investment for them and I want to keep it simple. I was thinking of something like the Fidelity Index World Fund Accumulation. Would it be unwise to invest in a single fund or would it be better to balance it out with something else…
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Regular Saver confirmation of payee scheme
I am aware that any payment I make or standing order I set up must follow the new guidance or else get rejected. However, what do I do for existing standing orders that have been running for months? The majority will have the bank/b soc as the payee name and not my name. Do I need to alter all my existing standing orders…
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How safe is safe (ISA & SIPP)
Ok. Another naive query coming y'alls way. I saw some news about Yotta "bank" (not a bank), which (in layman's summary) is/was a fintech 'go between' offering depositors a sweepstake. They would 'guarantee' depositors money was FDIC insured by 3 times the usual amount by supposedly putting client's money with 3 different…
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Wealthify refusing cashback
Hello all, I signed up specifically query this. I learned of Wealthify from a weekly MSE email in January 2023 which set out the £50 cash back offer. I signed up to take advantage of this. I had never heard of Wealthify and would not have signed up were it not for this offer, so am sure I followed the relevant MSE link. My…
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Ready to start investing
I’ve been learning a little about S&S as I want to shift some cash savings as the savings rates fall. Is now a potentially bad time start ? Are things going a bit flat globally and could begin to dip ? what would you do if looking to shift around 150 K from ISA and non-ISA cash to ISA and non ISA S&S drip feed monthly or…
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Self assessment money on account
I wanted to ask about a self assessment query re my savings. For 23/24 I earned 25k salary all paye. I also earned interest on savings amounting to gross 7k. For 23/24 I have tax on my savings. For 24/25 my earnings will be lower than the previous year approx 10k but my interest on savings higher as I have a bond coming to…
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Fixed Rate Interest
Morning all, This is my first post on here so please bear with me. Up to present date I have taken out fixed rate bonds over the years when the interest rates have been good and received all interest upon maturity. Today a thought popped into my head...If I am declaring three years of interest on my tax self assessment for…
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How far back to HMRC go on crypto??
Hi I first bought Bitcoin in November 2017. bought it at random, bit at a time. on Coinbase Used it in 2018 to buy Ripple (lost a lot) on a different exchange (Gatehub) In the down market (yes I know ...Dumb) I used ripple to buy back into Bitcoin on Coinbase I have bought at a few stages over the last few years My overall…
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Question about (variable) notice accounts.
Hi. I just have a quick question regarding notice accounts. I was (before seeing that their rate drops to 4.7% tomorrow at least) in the 95 day notice account by Recognise bank at 4.95% AER But I am just wondering that if they change their interest rate whilst you have an open account and money invested does one still have…
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Vanguard Stocks and Shares ISA S and P 500 Investment Query
Hi all, Looking for your advice and view points please. I have a Vanguard stocks and shares ISA, majority is invested Life Strategy Fund 60% and Life Strategy 80% funds. I also have a small amount in the Vanguard S and P 500 Accumulation and S and P 500 Distributing All the of the above is within my Stocks and Shares ISA…
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pension lump sum
I have recently retired and have a lump sum of £100,000 which is currently sitting in our (my husband and I) joint savings account. He has not retired and so is earning a decent wage above £50,000. I have just opened a cash ISA and will tf £20,000 into that. I will probably spend another £30,000 on some house improvements.…
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Hargreaves Lansdown price improvement.
"We beat the market price on 94%* of the deals our clients place. Just another reason why we’re the UK’s number 1 retail stockbroker." Last month we saved you £*** on your share trades thanks to HL's price improvement. How does it work? When you buy or sell shares, you’ll see the market price. We then find quotes from…
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First Direct regular saver
What's the thoughts here in First Directs regular saver account at 7%? I've got around 25k sat in my recently switched Nationwide account and I'm tempted to move it to their standard savings account, then open a FD current account with £1 and setup a £300/month DD to the regular saver....assuming that works.
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Nottingham Building Society - Not receiving initial email when trying to open a new account
Has anyone else tried to open a new (online) account with Nottingham building society, but early on in the application process failed to receive the 5 digit code they email you?I'm using a xxxxx@yahoo.co.uk email address. Perhaps that is the problem?
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Terminal bonus
Can anybody clarify if a terminal bonus can be withdrawn from an onshore bond spread over a few tax years or does it have to be taken in one go on closure of the bond? I can find lots of information on withdrawal of initial investment at 5% / year but nothing on the terminal bonus. It's rather a large gain which will…
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high interest savings
hi looking at putting some money into a high interest bank, looked at ISA as well, any recommendations .
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Revolut CEO blasts London Stock Exchange as ‘not rational,’ eyes US for IPO
Revolut CEO Nikolay Storonsky criticized the London Stock Exchange as "not rational" for an IPO, citing high costs and low liquidity compared to the US market. He pointed out the UK's 0.5% stamp duty on share transactions and limited liquidity as major drawbacks. Storonsky emphasized that unless the UK improves its…
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CGT
Can you offset your monthly fees against your CGT gains
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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