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Bonds questions
I've always either saved my money in regular savers/high interest savings or invested in ETFs (World trackers or S&P 500). However, I've started looking in corporate bonds and was curious what the risks are and whether I've understood everything. For example Vodafone are offering (XS0181816652) 5.625% on this bond with a…
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Chelsea BS and NSandI transferring funds and getting log off
At 8am this morning I have transferred £1 out from Chelsea BS to other external bank accounts and the money have no come through The NSandI keep kicking me out - to say I have touched the BACK button which I have not. I would like to ask whether anyone has any problem with either of these (as I was going to pay my sell…
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Avios/Hotel Points via a Cash ISA / Savings Account
Can anyone recommend an account where I can deposit possibly £1000 per month and receive some Air Miles or some Hotel Points ? Not interested in a Stocks and Shares ISA
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Life Interest Fund vs Interest accrued in savings accounts
Hello, In my late mother's will, she has requested a post death life interest fund to be setup for my elder brother who has mental health issues. The financial planner has sent through an illustration on how the fund will work but also mentions there is a chance the capital you invest could be worth less in a year or two…
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Ever more difficult for foreigners to open bank accounts and savings accounts!
With the rise of AI it has at times become almost impossible for a foreigner, legally in the UK to open accounts anywhere. Even simple things like changing a nominated account has become a nightmare and, in my case, and I am sure in the case of a lot of other foreigners like me, with the right to reside in the UK, in my…
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Raisin £100
Anyone else not received their £100 bonus from Raisin in the stipulated time?
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Ratners group plc shares
Found some shares my deceased mum had for Ratners group plc brought 1992 trying to find out if they are worth anything for probate and how to sell them. Thanks in advance
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Earnings and Starter Rate
Is the amount calculated before or after stoppages from earnings? For example, earnings of £15500 per year or take home pay £13800? Maxed out on premium bonds and ISA, so could do with knowing how much interest I can earn in regular savings accounts before I pay tax on interest. Thanks for any help.
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Income and capital movement on corporate bond funds
I’d like to
check my understanding about income and capital gain on corporate bond funds. These charts
for Man Sterling Corporate Bond Fund show both Income and Acc versions. On the
first chart, set to Total Return, does the sum of the twelve red blips* – about 0.5%
each – represent the distributed monthly income based on…
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40k Monthly Interest ?
Hi all I have an ISA maturing in a few weeks and wondering what to do. I'm not using my full personal allowance so I don't really need another ISA I don't think ! ? My plan was to drop it into NS&I Guaranteed Income Bonds which have a rate a little better than my current ISA. Thoughts much appreciated.
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Plum taking more than agreed Direct Debit
reconsiling my bank statements I noticed that Plum had taken £20 DD last week instead of their usual £10. On asking why I was told there was a Technical issue ( Reply from them shown below) - I know It was only £10 and its made no diffrence to me as the £10 is now earning interest in an account that we use to save money…
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Help needed with Share Transfer - Stamp Duty...
I am the executor for my late Mum and Dad's estate. I am in the midst of trying to sort out my late father's shares. I have gone through probate, and have informed the Share Registrars of my father's passing. I would now like to transfer the shares into my name. I am struggling to understand if I have to pay stamp duty,…
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£600K - prioritise ISA v SIPP for new money?
I'm starting to realise that whilst I don't know what the hell "the plan" is yet I'm starting to have more and more thoughts about doing something to reduce work. I can't put any detail on that as I really don't have any - just finding the idea pops into my mind a little more than it used to. So I'm 49 and right now the…
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“Branch only” savings accounts
I’ve been with Kent Reliance for a few years hold a 12month fixed rate ISA that is due to mature in December. I’ve had a few different products with them and they’ve always been good to deal with. Every now and again they introduce a limited edition rate that’s competitive and worth consideration. They currently have a…
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Old TSB shares
Has anyone had any success locating old TSB shares. For months now I have tried TSB bank. Lloyds Bank. Equiniti, the Registrar,and even the Funancial Ombudsman -no luck with any attempts to trace?
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?what to do with lump sum
Hi. Looking for advice. Wage- £42k a year Mortgage-£64k left 2.5apr till next year. House worth about £230k I’m single (dating someone not looking to move for a year or so) 35, recieved some inheritance, 120k. I don’t know what to do with it. I’ll be buying a car outright and getting of my lease car. So that’s 100k left.…
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How do I work out CGT loss following the sale of shares
Bank in 2002 and 2004 I bought shares via an employee share save scheme at 'x' pounds per month in both cases over a three year period, so I know how much I originally paid for them. In truth I forgot about these shares for a while and thought thankfully I had sold all my Nat West shares before the value plummeted. Over…
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Lost shares
My late Father held some shares and I have the old paper certificates. The shares are held and registered in the US. The number of shares quoted by Shareowner Services US don't tally with the number on the certificates - there have been multiple mergers etc. in the years since he bought the shares and I wonder if anyone…
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Savings advice for 18 year olds
Please help my mind is boggled. what would you suggest is best for someone who’s just turned 18 so far they’ve got 5k in premium bonds but not having much luck so looking to move it somewhere?
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Profits/return on VWRP via Trading 212
If you maxxed out your annual SIPP, ISA, Premium Bonds, Got rainy day fund and you just open a personal account on Trading212 and buy some shares in VWRP, do I have to report these on my annual self asseseement and pay tax on my annual return, or is it all done at source via my account on Trading212? thanks
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