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ISA yearly allowance
EDIT - Has now contacted share dealer. EDIT - Finally believed £20 limit, reversed 2nd ISA. As I read it, you have a £20,000 allowance to put into any combination of different types of ISAs. My partner put £20,000 into a cash ISA earlier this year and has today opened a Shares ISA "using" (maybe, I know nothing of shares.)…
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How to sell my paper shares?
Hi, I wonder if anyone can give me some advice please? I bought some shares about 25 years ago. I have the paper certificates. They are worth about £1k. What is the best / easiest method of selling them? I want to get the cash and reinvest it somewhere else. Thanks in advance.
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Help to save regular payment not showing in help to save account
I set up a regular payment (standing order) to leave my bank account. I copied the account number, sort code and reference exactly as it was. It needed a 'name', so I saw people on here had just named it something like HTS so I did and it came up 'it's a match' on my banking app. Anyway, the money has left my bank account,…
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Savings Account for someone in a care home
Hi, My Mum is in a care home suffering from vasculal dementia and my brother and I have recently sold her house. The money from the house sale is sitting in Mum's Virgin Money current account. My brother and I both have Power of Attorney, so I imagined that creating a savings account with Virgin would be relatively easy.…
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SAYE Options
Hi, I’m in need of some financial advice please. In the next few weeks I have a SAYE policy maturing. The current value is over £25,000. I’d like to keep the shares and know I can transfer the shares to a stock & shares ISA, as long as I do an In Specie transfer.…
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NS&I Withdrawal
Good morning, About thus time yesterday, I made an online withdrawal of £10K from my Direct Saver. I believe it is supposed to reach my current account today. What time do NS&I funds usually appear? Thanks in advance, Misha
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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Moneybox investing
Hello Friend recommended moneybox as a good way to start investing. Any one used then on here before? Thank you
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Single, no dependants, self employed. Best setup for SIPP, LISA, SSISA ?
I pay myself basic salary for NI contributions (12570 a year) then take about 35k dividends to cover my lifestyle (rent, food, shopping, holidays) That leaves me with about 100k in my company accounts after all corporation and VA taxes are paid. My plan is to then: Take 4k dividend, put straight into LISA Put 20k into SIPP…
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TSB monthly saver
Do the monthly payments have to come from TSB account or can it come from external account? Many thanks
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Principality online banking
Principality's 2FA text messages didn't seem to be arriving, or perhaps not being sent (this seems to happen from time to time, but trying a few minutes later usually resolves it), but no luck with it this time, and now their online banking site seems to be "offline for maintenance". Has we all in effect knocked their…
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The Banking & Savings Spreadsheet Discussion Thread
Welcome to this thread. The aim of this thread is provide a place for people to discuss how to set up and manage their banking and savings spreadsheets . Feel free to use this thread to ask any queries you may have about spreadsheets, share any tips and tricks you may have and discuss how you structure and manage your own…
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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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Change Mortgage to Interest Only to Invest the Capital Repayment Element
I would appreciate some advice about the benefits/risks of changing my mortgage to Interest Only (which my bank offer subject to conditions) for the remaining 13 years, instead of paying the bank I will invest the £1500 (per month) capital repayment element Current Situation - balance is £240000 (50% LTV), ive got about 13…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Full sovereigns vs Half-sovereigns for long term investing?
I'm looking at trying to accumulate some physical gold (isn't everyone), and wondered if anyone here prefers full-sovereigns or half-sovereigns. It's essentially a long-term hold, just so I have some physical assets. Half-sovereigns would be slightly easier for me to accumulate, for cashflow reasons. From what I can see,…
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iWeb help please
iWeb has now moved to Scottish Widows and I can see my GIA and ISA on Scottish widows website. How do I register to see these on the Scottish Widows app? Apparently I should be able to do so but I end up getting nowhere. Any ideas?
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Small Windfall and what to do?
Hi all, I have recently received an insurance (RTA) payout to the tune of £7,000. I am thankfully recovered from my injuries and there are no lasting effects on work, hobbies etc. I am trying to make the best decision for the here and now as to what to do with this money. I'm 48 and have a good career with current gross…
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Fund & Share to a SIPP: is it a good idea?
Good morning.
I inherited ½ of my dear latest’s ISA (with Hargreaves Lansdown;
let’s call it HL for brevity). But as we didn’t make it to get
married, I had to open a regular Fund & Share account, also with
HL’s platform, where his ½ of the ISA was transferred into. I’ve
already transferred some of the shares into my HL…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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