Savings & investments

Found some shares my deceased mum had for Ratners group plc brought 1992 trying to find out if they are worth anything for probate and how to sell them. Thanks in advance

Is the amount calculated before or after stoppages from earnings? For example, earnings of £15500 per year or take home pay £13800? Maxed out on premium bonds and ISA, so could do with knowing how much interest I can earn in regular savings accounts before I pay tax on interest. Thanks for any help.

I’d like to check my understanding about income and capital gain on corporate bond funds. These charts for Man Sterling Corporate Bond Fund show both Income and Acc versions. On the first chart, set to Total Return, does the sum of the twelve red blips* – about 0.5% each – represent the distributed monthly income based on…

Hi all I have an ISA maturing in a few weeks and wondering what to do. I'm not using my full personal allowance so I don't really need another ISA I don't think ! ? My plan was to drop it into NS&I Guaranteed Income Bonds which have a rate a little better than my current ISA. Thoughts much appreciated.

reconsiling my bank statements I noticed that Plum had taken £20 DD last week instead of their usual £10. On asking why I was told there was a Technical issue ( Reply from them shown below) - I know It was only £10 and its made no diffrence to me as the £10 is now earning interest in an account that we use to save money…

I am the executor for my late Mum and Dad's estate. I am in the midst of trying to sort out my late father's shares. I have gone through probate, and have informed the Share Registrars of my father's passing. I would now like to transfer the shares into my name. I am struggling to understand if I have to pay stamp duty,…

I'm starting to realise that whilst I don't know what the hell "the plan" is yet I'm starting to have more and more thoughts about doing something to reduce work. I can't put any detail on that as I really don't have any - just finding the idea pops into my mind a little more than it used to. So I'm 49 and right now the…

I’ve been with Kent Reliance for a few years hold a 12month fixed rate ISA that is due to mature in December. I’ve had a few different products with them and they’ve always been good to deal with. Every now and again they introduce a limited edition rate that’s competitive and worth consideration. They currently have a…

Has anyone had any success locating old TSB shares. For months now I have tried TSB bank. Lloyds Bank. Equiniti, the Registrar,and even the Funancial Ombudsman -no luck with any attempts to trace? 

Hi. Looking for advice. Wage- £42k a year Mortgage-£64k left 2.5apr till next year. House worth about £230k I’m single (dating someone not looking to move for a year or so) 35, recieved some inheritance, 120k. I don’t know what to do with it. I’ll be buying a car outright and getting of my lease car. So that’s 100k left.…

Bank in 2002 and 2004 I bought shares via an employee share save scheme at 'x' pounds per month in both cases over a three year period, so I know how much I originally paid for them. In truth I forgot about these shares for a while and thought thankfully I had sold all my Nat West shares before the value plummeted. Over…

My late Father held some shares and I have the old paper certificates. The shares are held and registered in the US. The number of shares quoted by Shareowner Services US don't tally with the number on the certificates - there have been multiple mergers etc. in the years since he bought the shares and I wonder if anyone…

Please help my mind is boggled. what would you suggest is best for someone who’s just turned 18 so far they’ve got 5k in premium bonds but not having much luck so looking to move it somewhere?

If you maxxed out your annual SIPP, ISA, Premium Bonds, Got rainy day fund and you just open a personal account on Trading212 and buy some shares in VWRP, do I have to report these on my annual self asseseement and pay tax on my annual return, or is it all done at source via my account on Trading212? thanks

Hi all, I’m a newbie here. Looking to re-invest £85k (my current bank is Lloyds and the rate is dreadful) Money is sat in a savings account doing nothing and looking for the best rate possible and obviously the safest! Thanks in advance. 

I was wondering if anyone has a view on iShares Core GBP Corporate Bond UCITS ETF to use instead of One year Savings Bonds if/as interest rates fall - or is there something better ? Robert 

I recently bought some shares from a works scheme. Am I right in thinking that if I open a share ISA and transfer the shares into it within 30 days of purchase, that they will be capital gains tax exempt up to a limit of £20,000? If this is correct, is there a minimum amount of time they have to be in the account before I…

Hi all. I had a personal fixed term bond with Santander and requested that the funds be sent to NS&I Direct Saver account. It was to be a CHAPS transfer. The bond matured on 1st August. NS&I say that the funds were not received. Santander say that the funds were sent. I asked santander the account details and they matched…

I have invested in REITS and ETFS but I am looking into VCT for their tax efficiency. I am aware that they are higher risks but wondered if anyone has invested in one of these funds? There are quite a few to choose from on Hargreaves Lansdowne. I also read that you need to hold the fund for at least 5 years in order to…

is now possibly a really bad time to start investing and do a lump sum investment? All I keep hearing are how overvalued US stocks are and a correction is coming. It’s making me really nervous about doing a lump sum at a really bad time. My time horizon is about 10 years and I am planning to go mainly all in on a global…