Savings & investments

Hi I hope someone can help me out on personal tax matter. I got a 60 day notice account and interest paid monthly. My understand is interest is counted in the tax year you can access it. My question is do interests paid on 1st Mar and 1st Apr 2025 count into 2024-25 financial year as the account requires 60 days notice to…

I've been trying to sell my >5yr old VCT shares so I can reinvest in a non-VCT ISA. Octopus is entitled to only offer a buy-back window when they see fit, but there hasn't been one for over 12-months. I'm therefore going to the open market and looking for a recommendation on how best to sell these. I realise there'll be a…

Hi All, I have been transferring money into an NS&I regular income bond. Once I'm done, I plan to transfer the whole lot into a guaranteed income bond. I'd really like to have it pay out on the 1st of the month, or the next working day. What's the best way of achieving this? Anyone managed to do this before? The 1st…

My partner was a tax payer last year due to income from savings. This year we are purchasing a house so their income will be reduced such that they won't be a tax payer. They have funds in flexible isa's.My question is would you fill the tax free void by removing funds from isa's in order to generate extra taxable income…

Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months. 

Hi has anybody’s 24-25 tax summery turned up yet for paye. 

I find myself in a position where I have to take account of Bed & Breakfasting regulations in a number of holdings caused by the shareholder buying shares within 30 days of selling others of the same type. While the legislation and documentation is quite clear that Bed & Breakfasting covers any new shares acquired either…

Anyone else getting jittery? https://uk.finance.yahoo.com/news/uk-investors-record-outflows-equity-funds-stock-markets-114418613.html

I'm having issues setting up auto save. I made one manual payment into my new Zopa RS on the 4th Oct I then tried to set up auto save a few days later to make payments on the 4th of each month but Zopa only lets you set up the day of the month you pay and not the actual month you wish to start payments. So, when I try to…

For anyone invested or thinking of investing in Stewart Investors' Asia Pacific funds (which had generally performed well... until about this time last year), the long-standing management team led by David Gait and Sashi Reddy resigned overnight in late August.

Hi Guys! Has anyone managed to online transfer an ISA out of Tembo to a stand alone bank? I have failed to find a a provider amongst several that I have tried. They do not list Tembo (or Nude that they were previously known as) as a possible new provider. Tembo customer service is pathetic and have failed to help me with…

I have a Fixed Cash ISA due to mature shortly. I also have another Fixed Cash ISA with another provider which gives better interest (better than anything you can get today) and doesn't mature til July next year. Am I allowed to transfer the ISA due to mature to the one with a better rate?

I selected to invest my isa allowance with Chip. should I be concerned about the crowdfunding shift?

Hi, I have a company sharesave scheme which matures in November. I have been putting £500 per month for 5 years so by November my initial investment will be £30000 but the shares are now worth approx £110000. Approx profit of £80000. My question is in regards to capital gains tax. I understand the rules may change by…

My stepdaughter is in the fortunate position of being gifted £50k from family (lucky her). She may keep a very small amount right now for some immediate spends (a few hundred), but the majority will be held for either uni purposes or house deposit later in life. Some will be needed from March next year when she turns 17…

Is it easy to transfer it? I'm not sure how it all works but I'm thinking I may earn more than the interest rate on the Cash ISA doing this?

Hi, I have recently inherited £120.000. I live with my partner, not married, and we have 2 children early 20’s. I would like to be able to gift them some money ready for when they buy a house, around £10,000 each, they have also inherited some money too of £10,000 so they will have £20,000. With the rest of the money I…

Morning everyone Wonder if you can help with my issue - later this year I’ll leave my job where I have previously purchased shares (this is not currently a listed company but has partial employee ownership due to size). The shares were purchased in their 2023 ISO. I’m told that these cannot be retained as I’ll no longer be…

I use Hargreaves Lansdowne to trade as it is safe so I know my money is safe with them. They offer a large choice of funds to invest in and to trade, particularly ETF. My cousin says she want to invest in ETF as well but she lives in Germany so on the off chance, does anyone know of a similar platform to Hargreaves…

I am a Trustee for a Trust which my late uncle set up to benefit my cousins upon the death of my aunt, who is now 91. Earlier this year, when my aunt moved to a care home, we had to set up a bank account in something of a hurry to receive the proceeds of the sale of her home (around £200,000). In the end we established the…