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What % are folk investing in the UK?
I've realised I've omitted UK equities from my main pension fund selection. Given US prices at present this is a happy mistake, but clearly does outline the pitfalls of DIY investing. Currently I have 1 pension invested here https://www.trustnet.com/factsheets/P/r75k/sw-ssga-international-equity-index-pn-cs8/ I need to put…
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VANQUIS 60 day notice account
I recently opened this account. I know the minimum balance for this account is £1000 but wanted to send a test payment first before sending this amount. I sent £1 as a test payment but it is still not showing in my account balance. Will it not show until I've reached the £1000 minimum balance.? What were other peoples…
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Self Assessment Calculation & HMRC contact as POA
I completed a SA form in July of this year for the tax year 2023/24 as a POA for my mother-in-law as her savings interest exceeded £10,000. I received a calculation from HMRC yesterday for the tax year 23/24 confirming my figures except the interest I included on the SA form is not in the calculation. The calculation shows…
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Re-balance into Equities
There's no right answer to this, except in hindsight ...! I took some profits ahead of the budget, and sold an equity managed fund that I'd had for many years, and had quintupled my investment. (In fact, the CGT rise was not as high as expected, but it was still a good time). So I am now sitting on a| sizeable pile of…
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Help 2 Save 2nd bonus will not be paid
Has anyone else had this problem? 1st payment was fine, paid in max amount £50 each month, 2nd bonus due and it says "To get a final bonus, you had to pay in enough money so your highest balance between 1 December 2022 and 30 November 2024 was more than £2400. In the time left you won’t be able to grow your savings so they…
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Sidekick Money Ltd - Safe to use?
As per the 2 x top savings threads in this forum, Sidekick Money Ltd are offering a 4.89% easy access savings account provided by GB Bank (part of this is % a bonus for 12 months)... https://www.sidekickmoney.com/savings Does anyone else feel a bit nervous about using Sidekick Money?I think it's just because I've never…
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Sent money to NS&I as Bill Payment instead of Funds Transfer how do I get it back!
Hi problem solved ! My account shows that the Bill payments were sent back ! TRANSACTION DETAILSStatusSETTLEDTransaction typeUnpaid - NS+I DIRECT SAVER UNP Payment Returned: Sort Code / Account N umber UnknownI will delete the original post shortly as no need for it to remain!
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Declare crypto on Self-Assessment tax return?
Since the 2020/2021 tax year I have been filing Self-Assessment tax returns as I rent out rooms in my house and make more than the £7,500 Rent-a-Room Scheme allowance. However, I have never thought to declare my crypto on it. I am wondering if I need to or should have been? Below is the money I have put in and taken out of…
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How do I calculate tax owed for Bitcoin investment.
Hi, I wonder if someone can help me here? I bought a coupel of Bitcoin in 2014. I sold them for £48,000 in May 2022. I then used the £48,000 to buy back in June 2022 when I had 2.9 Bitcoin. I then sold again later that month for a loss at £44,000. I then bought back in July 2022 using the £44,000 to buy 2.4 Bitcoin. It had…
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Help to Save
Hi! This is the discussion thread for the Help to Save guide. Click reply below to discuss. If you haven't already, join the forum to reply. Thanks folks,
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Morningstar portfolio link not working.
Once again my Morningstar portfolio link is not working. Does anyone else have this problem please.
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Trading 212 dropping 0.15% FX loading for debit card transactions
Also pays 0.5% cashback (1.5% until end of 2024) subject to some restrictions.
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Where to save 300k? Interest earned to pay renting costs for OAP
Was hoping for some advice on how/where best to save 300k... An elderly relative (80) owns their own home, they will be left with around 300k after costs once it's sold. The reason behind the sale is that they need to move to sheltered accommodation, this is council owned and they qualify to move there due to a medical…
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Best use of savings for 73 yr old?
Good morning knowledgeable people! I would be very grateful for your help as googling and reading Martin's guides is blinding me with information. I have just over £40k in premium bonds at the moment which was left to me a couple of years ago. Yet again this month I haven't won a life changing amount so am doing some…
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Raisin (Clearbank) bank statements
Hi, does anyone else bank with Clearbank, via the Raisin platform and receive bank statements which do not show their bank balance?
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Crypto strategy for newbie
After listening to Raoul Pal interview with Steven Bartlett (DOAC) I'm looking to start investing in Crypto. I know I need to work out how to buy & hold it, but once I've done that and if I have £5k to put into it, does 1.25k across the below sound reasonable? Bitcoin Solana Ethereum Sui Looking at the price charts I am a…
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Interactive Investor Sustainable Tracker Funds?
I have an account with Interactive Investor in which the whole of my investments are in the tracker fund Vanguard Lifestrategy 60. I would now like to invest somethng in a tracker fund that avoids fossil fuels, but I can't see how to search for such a fund, nor indeed whether any such are available on my platform. Can…
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Stock market information - no more BBC
Normally I look at the BBC website to get information about the level of the major markets (Europe, USA and Asia). Unfortunately the BBC have stopped this service, as a cost cutting measure. Anyone know of an alternative site where I can find this information?
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Octopus EIS
I invested in an Octopus EIS just over 9 years ago. As a tax saving vehicle, it was very effective. It has also shown reasonable investment performance. Over the last few years, there have been a number of sales and consequent cash returns to me, but nothing for over a year now and there is still a significant amount of…
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Financial Advice Regarding Large Compensation
Hi, i am currently waiting to find out about a large compensation which could be over £500,000. We probably need to be advised to what to do with the money. We are with Santander and I am wondering if it's best to ask them for advice or go to an independent advisor .
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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