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Savings/Investing Advice for Newbie
Looking for some advice on investing 40-50k. We have 15k of savings in easy access savings account. My wife’s company SAYE shares scheme just matured making us a healthy profit. This was with Equiniti who helped us setup a dealing account & S&S ISA, 20k worth of shares put into ISA and now sold, looking to move the…
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Santander S&S ISA performance
Did anyone else open the Santander S&S ISA to get the TopCashback £100? I received my passport which was great but decided to leave my original £100 in to see how it performed. It's up to £105.01 as of today, so 5% return in only a couple of months!
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Advice on short term savings
Hi all. I have £40k that I would like to put into a savings account where I can withdraw the interest every month, without it going back into the capital amount. I can lock this away for 1-2 years. Does anyone have any suggestions please? Thanks
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How do I value old 25p Lloyds shares to determine if I have a cgt liability
Hi. I have 2 questions. 1. How do I value old 25p ordinary shares in Lloyds now that they have a nominal value of 10p. ie the share price today is £1.09 but presumably I don't just multiple that by the number of shares I have like I have been doing with the 10p ones I hold or do I? I'm trying to determine if I have a gain…
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use unemployed partner to avoid paying tax on savings interest?
Regards to the above - can I give my unemployed partner some of my savings instead to invest in her name so there is no tax to pay?
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How to access my Premium Bonds - I have no details as bought when I was a child
When I was a child my parents told me that my god parents (not related) had bought my and my brother lots of premium bonds (I think 18 each?). I dont have any of the details or account number. I think the papers might be at my parents house but we are estranged and I don't trust them not to destroy them if I asked. I dont…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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Saving whilst abroad
Hi all, I have recently moved from the UK to Australia for 2-3 years on a skilled workers visa. I have a cash ISA (Plum), lifetime ISA (Tembo) and a savings account. Since moving to Australia, I have received a lump sum of £20000 from a relative passing away and wanted some guidance on how best to invest/ save this money…
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High Court approves Nationwide acquisition of Virgin Money - change to FSCS cover
Approval granted on February 23 2026 and currently expected to be effective from 2 April 2026 (the transfer date). There is an extensive Q&A on https://uk.virginmoney.com/nationwide-transfer/questions/#q1-will-the-transfer-affect-my-deposit-protection-under-the-financial-services-compensation-scheme- In summary, almost…
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Advice on Mothers house sale.
My Mother is nearly 92 ,has Dementia and is a Residential Home.Luckily after working all her life ,she does have some savings ,but these are dwindling due to her paying for her care ,this has led to her house being sold ,I have LPA. The money from the hose sale is due to go into her bank ,on completion early next week .…
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Cynergy Bank
I have a couple of 12 months bond maturing in February so looking to save them with someone else as they are offering very poor rates to re-invest. Cynergy bank appears to give a good 12 months bond rate but I have never used them before. Anyone got experience of this bank and can share your experience? Thanks
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Trading 212
Hi, Is Trading 212 a good way to start investing? Thanks
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Mortgage, Invest or Avoid
Am currently going through rough time and near the end of a divorce, it looks like my partner wants to move out of our marital home to a new place so going to buy her out (60/40 split in her favour on equity). That means I am going to need to re-mortgage the remaining £330k on the house which is a big stretch. I can just…
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JP Morgan Personal Investing - £100 Cash Offer
I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…
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Skipton - Anyone else having trouble logging in?
Tried to log into Skipton on my app. Wouldn't take my passcode. Then tried forgotten passcode link but wouldn't take my online password either to reset it. Don't want to be locked out. Wonder if there is a blip on their system. 🤔
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HMRC payment end Feb deadline for estimated letter.
Hi asking for a friend's dad.... The father never had to do q self assessment before and was paying on the estimated tax owed letter HMRC had sent each year. However, investment income means he started a self assessment for 24/25. Unbeknownst to him, HMRC haven't sent a UTR code although it was requested months ago. Rang…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Royal London Short Term Money Market Fund Y Inc
Anyone know why the price dropped at the beginning of December? https://markets.ft.com/data/funds/tearsheet/charts?s=GB00B3P2RZ52:GBP
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S&S ISA transfer
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Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
