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Buying shares for the first time.
Hi I have joined a group that offers shares advice (as in which shares to buy and when to sell). I've followed the advice without actually following through, as a test. If I'd bought and sold as advised, I'd have made about 7% in two months. I have decided that I can afford to lose £200. I'd like to buy and sell as advised…
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Flexible and Non-Flexible ISA
I received some inheritance back in March which I added to a Vanguard flexible S&S ISA for around £15k. I then withdrew it in late April as I needed it for house renovations. I deliberately timed the contribution and withdrawal to give me the opportunity to 'carry' some of last year's allowance into this year. Given it's a…
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L&G rejected claim
Recently been having health issues that potentially will make me unable to continue working still waiting Had a L&G life insurance & critical illness cover policy for 21 years ( expired 31st august, claim was in before this date)& decided to make a claim which has taken forever to gather relevant information required by…
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How much cash is too much?
Circs are that I have an index linked pension after tax of around £42k, my wife retires next month and she will have an index linked pension of around £5k. Our total income is around £3,900 per month after tax. We currently allow ourselves £5k per month to pay for all bills (mortgage is paid off), spending money, holidays…
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Plum not paying interest on £20k ISA after 16 months
I signed up for a Cash ISA product with Plum in 2024. When I tried to withdraw some of the money to replace my car I was then told that the money was in a 'Primary Pocket' that was earning no interest, despite this being the only option when I came to pay money in. Plum did not mention this once in the intervening 16…
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Considering dabbling in Bitcoin
I'm looking to invest a small, speculative, amount in Bitcoin. I currently put towards investing £500/month. This is split £400 in a Vanguard global fund, £50 in company stocks and £50 which I class as my speculative pot. I'd like to dip into the Bitcoin market, I know there is a risk it can tank and I'm prepared for that…
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Yorkshire Building Society - online login not working
This problem appears to be ongoing for 5 days now with a payment made from YBS to a 3rd party over a week ago which I learned was never received. So I can't login to even check if the payment bounced.I've tried ringing them 3 times and gave up after 30 minutes of hanging on. I've tried their chat bot, but all that happens…
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Funds in SIPP
I have seven funds in my SIPP, and a small investment in FTSE 100 shares. One of the funds is Fundsmith, and in the eight years I've been running the SIPP its performance has been excellent, more than doubling in value in that time. However, the fund accounts for just under one third of my total investments. Is this too…
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Income funds?
Most of my pension comes from a small DB plan (which covers my basic needs), but I have some money in a SIPP. I have come to the conclusion I don't like the thrill of the stock market ups and downs and that having a plan where I can focus on the dividend (etc) income being paid will help me worry less about underlying…
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Chip on Crowcube funding round 2025 email 16/9/25
is there anyone else who has chips “shares* i invested through crowdcube in 2018, 2022 and 2023 and have 3 share certificates. The investments show 2 as nominee and one direct. There’s also an EIS attached to the direct investment (details haven been completed apart from the name/signature by CHIP) Im thinking of selling…
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Daughter finally flying the nest
Little one and boyfriend have bought a house (a gazillion £ compared to the ten bob me and Mum paid for ours) Both work for NHS @ about 50k each. They are asking for financial advice. NHS pension great but neither wants to work beyond 60 (55). All their savings have been going to house but what now? Have suggested automate…
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Financial Guidance
The old fella and me are thinking of selling our house. We want to move nearer to his work, but don't want to buy in that area. He retires in 4 years, so we're thinking of selling the house, renting a small place until his retirement and then with the sale of house money and his retirement payout buying a new home…
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400k cash investment tax implications
Hi I have 400k that I wish to get invested and apart from the GIA route which has tax implications. I can slowly use this money to fund my ISA each year but that has CGT impications and it will take years. I went to see IFA and they suggested investment bonds which I don't know much about so going to do some research. Has…
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Shawbrook - maturity option rates guaranteed?
May I ask those who've had experience with maturing Shawbrook fixed rate accounts (whether or not ISAs), if they selected an option 3 - 4 weeks prior maturity, is that rate guaranteed if the rate subsequently drops? Thanks.
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HMRC Tax Code changes are on their way
I don't mean generally, but for those of us who have exceeded our PSA. Confusingly though, the notification I received this morning via their app was a Tax Code change for 24/25 based on estimated untaxed savings interest for this tax year. Yet, when I check for tax due on my untaxing savings interest for 2023/24, it still…
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Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
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Rearranging gilts: deckchairs on the Titanic?
Luckily, perhaps, only 20% of my fixed interest holdings are in a gilt index fund (the rest is global aggregate, corporate and a 2029 linker) but it's still not much fun watching it drift lower and lower. I'm tempted to move it into a nominal gilt of similar duration, something like TR33, to lock in the current yield. Or…
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CGT 30 Day Rule and ETFs
Hi If you sell shares in an ETF that tracks a particular index such as the Nasdaq and within 30 days buy another ETF that tracks the same index with a different provider, does HMRC accept that for CGT purposes?
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Santander Edge
I haven't been able able to find answers for my following queries the Santander website. Apologies if the can. I have an Easy current account (I can't understand what's the difference with the previous 123 lite). I would like to work out the requirements for Edge current and Edge saving accounts. I've read several time the…
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Investment platform scam - Beginners Guide
A close vulnerable relative has been caught up in a scam investment platform, and I can't find anybody complaining about it online yet so just seeding the URL name where I can to generate a digital footprint. I caught wind of the activity and spotted the URL. I did and found the following for the (nicely designed) website.…
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Most recent: Tembo lowering my LISA rate t… by dcs34
7 August at 10:24PM
