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St Jamess Place is it worth putting in a complaint to try and get things clarified
Long story short, for over 20 years my late MIL had a SJP trust which was intended to provide some money for my husband at her death, outside probate. The original "partner" retired long ago and the account was passed to another "partner" - we don't know on what basis. On the whole this wasn't a problem, but they were not…
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Sainsbury/prosper 3 month savings
Hi I went to invest my money and was asked to transfer money to Bondsmith savings LtdI do not know who they are and If I should go aheadDoes anybody know wether it is a genuine investment company?Raymond
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Large lump sum savings best options.... and associated tax?
Hi all I had a quick look at the sticky regards easy access savings accounts: https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/?_gl=1*8go89e*FPAU*MTY0MDMzNTQ5Ni4xNzMzNTY4NjM5*_ga*MjA2MTIzNDIxOC4xNzMzNTY4NjM4*_ga_X74CWQS9F0*MTczMzU2ODYzNy4xLjEuMTczMzU3MDExNy4wLjAuMjAyOTM4MjYxMg.. I have a 6 figure…
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Advice needed - Is a GIA the best option after ISA is utilised?
I have utilised an SS ISA fully for this year and then also opened a GIA and started investing in there, it has 100k, I've got a work pension that I contribute the maximum to and get an employer match. I plan each year to move money out of the GIA into the SS ISA and hopefully minimise any CGT or dividend interest. I've…
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Prudential demerger to M&G plc in October 2019
I've been looking through old paperwork and found some regarding some shares I hold. I was an employee of Prudential many years ago and accrued 260 shares as part of my share option scheme. on 21 October 2019 the Pru executed a demerger and I was given M&G Plc shares. The same number, 260. The share price for Pru on that…
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Account Recording
Is anybody aware of a free App or software that would record bank Account details, for example Name of Bank, type of account, account No, sort code, dates open & closed, interest received yearly etc. I dont need anything that records transactions. Thank you
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Fixed rate/term saving accounts - best around?
Hi - I know there is the Regular Savers thread on here, but I was wondering where people were locking away chunks of money (i.e. best NON-Regular Saver) as my latest fixed rate account has just expired and reverted to 1.5% I have come across Principality's 5.15% fixed for 12 months which is most appealing at the moment,…
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Selling Overseas Shares
Hello, I am not sure of the history, but my mother has some shares in Bluescope Steel, on the Australian stock market. Had them for years. She is a British UK resident and just wants to sell them. I did look a few months ago and struggled as most needed you to be an Australian resident, and have an Australian address. Any…
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S&P 500
Hi i was wondering does a simulator / calculator exist where I can experiment with contributing and withdrawing from this index over a set amount of years based on a starting figure as it’s important for my future planning. Any advice much appreciated.
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Crypto Tax on profits UK account (moving abroad)
Im a UK citizen at the moment (born UK), however I hold a US Passport as a dual citizen. I expect to be heading back to the states sometime in 2025 or possibly Thailand, but likely will base myself stateside. I want to know which taxman will have his hand out when i decide to pull the profits out of my crypto wallet to…
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Fisher Investments UK - opinions?
Does anybody have any comments, experiences, reviews, thoughts, or advice and opinions, regarding the company Fisher Investments UK based in Canary Wharf London? I would be very grateful for any information.
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Sold/bought meme stocks for years. Finally made a total profit. How to work out & pay tax?
In hindsight, I am ashamed to admit this, but... I got into GME meme stock a few years ago. It went down in price and I panicked sold for a loss and then re-bought more for a few years and "averaged down". This made my average per share stupidly high. This was in Revolut as I had no idea about tax implications. Eventually,…
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Paying into workplace pension
A question for a friend... can you pay a lump sum (c.£20k) into a workplace pension (Royal London), not from salary but from a bank account? And do it as a personal net contribution so that RL reclaim tax from HMRC?
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Switching from distributing to accumulating fund ISA
Hi everyone, Earlier today, I had another question regarding my ISA which was answered in the other thread. Now I have different questions, so I opened a new thread. I opened my ISA last year through iWeb, and bought two funds that are both distributing. I now realize my mistake. I don't plan on withdrawing any money from…
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Gateway and interest
Can you still view savings interest etc. reported to HRMC by providers on the Gateway site?. I’ve checked through all the past tax years showing from 19-20 onwards and cannot see any mention of savings interest just income.
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Freetrade, Trading212 or something else for small investments into an ISA
Hi all - firstly apologies I'm not up to speed with this kind of thing so if I'm way off the mark please just shout :smile: I've currently got a Freetrade account and I've got about £2k that I've put in it over the course of the year invested in various companies and funds. I've made about 10% over the year. I thought that…
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How to invest/protect €240,000?
We're investment novices, we know the basics, but now need help. My wife and I have just sold our holiday home in Europe. On exchange, in August, we took a deposit of approx €50k that we converted to sterling (rate 1.16) and put £20k each into a Cash ISA with T212 - each £20k is spread JP Morgan £2.5k, Barclays £8k,…
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What would you do with the savings I have?
I’m a self employed sole trader. I have 2 current accounts, one for work income and one for personal payments which I transfer money over from the work account to pay for living expenses, bills etc. I find this easier to keep track of my work money in and out. I also have a ‘help to buy’ isa which I set up just before they…
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Best place to move my money to?
Hi, I've been going over my finances and have found out that I have a nice little sum tucked away in an account that I don't use anymore. I pay a standing order each week to this account for 2 direct debits that ended a while ago. This has in time accumulated to just over 5k. The account doesn't have a very good interest…
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Inheritance help
Hi, i hope you savvy people can advise me. I have just inherited £600,000 from a relative. My own mortgage is paid off. I don't intend to move. I plan to give my son £250,000 to buy a house using the 7 yr tax rule. Anybody have any ideas for the best place to put it. I am a 64 yr old recently retired female. My husband is…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Cash ISAs: The Best Currently Available List by flaneurs_lobster
24 July at 8:48PM
