-
Higher Rate Tax Payer interest rate difference
I know this has been asked lots of times before but a search wouldn't find an answer, hopefully this thread title will aid people in the future! What's the calculation to work out if a taxed rate savings account for a Higher Rate Tax Payer who's over their £500 allowance is better than a tax free rate?
-
Moving Money from Santander Help2Buy into Plum LISA
Hi all, First post! Looking for some clarification about a move I'm looking to make. I have £11,600 in a help to buy ISA, and plan to move it all over to a Plum LISA over the next three tax years. Plum do not support transfers from Santander Help2Buy ISAs, and so here are my questions: - Could I not manually make a payment…
-
NS&I login problems
For years now, I have had trouble logging in to NS&I. They suspend my logging in, so I have to go online and change my password. Problem is, that does not work. I am asked to enter a Hash Key, which never works. Every time I change my password, it stops working the next time I need to enter money into my saving account. It…
-
Moved: Pension Query
This discussion has been moved.
-
Which Vanguard Fund
Looking to invest some money for my 2 kids and debating between VG LS100 or VG Global All Cap (VAFTGAG). Will be invested for at least 10-15 years. Thoughts appreciated.
-
Nationwide Regular Saver
My Nationwide regular saver matured yesterday and today it is showing as an instant access saver. However, when I tried to open a new one today I am told I cannot open a new one as I already have a regular saver. How long do I need to wait? One year ago I had no problem opening a new regular saver the day after maturity.
-
Tips for not obsessively checking investments
2 weeks ago I took the plunge and converted the vast majority (80%) of my Cash ISA savings into a S&S ISA. The total sum is close to 6 figures. I'm invested mainly in a 80/20 fund and have done my research on volatility, so I know what to expect if there's a crash. I'm in this for the long haul and don't foresee any need…
-
Panic Mode
Basic rate Tax payer with £11400 income above personal allowance . Yesterday I decided to Sell £24000 worth of shares in my AJ Bell Sipp . I assume AJ will deduct 20% Tax off this sum before it appears in my Cash account . Am I correct in thinking this or have I got it wrong?
-
Ascot Lloyd and Avellemy (now Ascot Lloyd)
Hello all, I have my investments with Fidelity, through my IFA - Ascot Lloyd. The vast majority of my investments are through funds under the Avellemy name. I notice that Ascot Lloyd have now bought out Avellemy and the funds have been renamed - e.g. IFSL Ascot Lloyd 5 C Income (Restricted Fund) replaces the old Avellemy…
-
Should I use our ISA allowances?
I know, that’s a strange question to which the answer should be yes of course. But here’s my scenario. My wife and I each have a s&s ISA in which we hold mostly equity funds plus some significant “cash” in mmf or bond fund format. We also have significant cash in various ea and fixed bank deposits (approx four years) as…
-
So much money
I wonder if a) anyone else has noticed so many new threads on spaces like this forum and similar forums on reddit where the starting point is that the poster has 6 figures and don't know what to do with it. b) Is this 'normal' that so many people in the world at the same time suddenly have so much money, whilst so many…
-
Savings Week
A total disappointment... Or have I missed something?
-
Registration self assessment
Doing my first self assessment and on the registration is asking date untaxed income received from ? Do I put the start of last tax year there ? Thanks
-
Opening a RS
Just curious to know what everybodys criteria / cut-off point is in terms of opening a RS... I'm relatively new to RS. Atm I have the Principality 7.5% RS and the Zopa 7.1%. I had initially thought that I'd start with these two, and then open any more that were 7%+ Starting to realise that that's maybe too optimistic and…
-
2 S&P 500 ETFs Which One?
Hi, so I'm thinking of investing in one of two American ETFs, one has a greater dividend, but the other may have better growth. Any opinions? Vanguard Funds Plc S&P 500 UCITS ETF USD(GBP) (VUSA)orInvesco Markets Plc S&P 500 High Dividend Low Volatility UCITS ETF (HDLG)Thank you
-
Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
-
Effect of Reducing hours and hourly rate on NHS Pension
I worked full time in a permanent role for the NHS from 2007 to June 2024. Rising to middle management. However, I hit burnout and instead of taking +++sick leave I chose to leave my permanent role and take a lower graded bank (zero hours) position. The intention being to try to recover from my burnout but still earn a…
-
Monmouth Building Society is so slow
Like millions of others I applied via my computer for their new regular saver a/c yesterday. Today they told me it would be faster if I downloaded their app and applied that way. I've been stuck on a page saying they're "currently processing your application" for 6 minutes now and presume it will be a long long time before…
-
B&B shares
If I rebuy shares sold <30 days ago, is the gain/loss from that initial sale ignored for CGT purposes, with CGT instead calculated against the original purchase price when I eventually sell the shares? Meaning that if the share price rose during the days I did not own them, I would pay CGT on a gain I didn't benefit from?
-
Advice with Savings
Hi, I started an ISA in May and have maxed that out. In April next year, can I keep the same ISA account or transfer it to a different company as well as open another ISA and not pay tax on that too? From what I've read, it's important to transfer the 25/26 ISA to keep that years allowance, is that right? I have enough…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.2K discussions
160.1K comments
Most recent: Offset and savings question by El_Torro
19 October at 6:37PM
