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INC vs ACC - are my sums right?
How do you estimate what income you'll get from INC versions of a fund, vs the ACC price. All my S&S are in ACC funds, and thinking of switching, but have I got the maths right. (appreciate this is all "in-hindsight" not what will happen) Take my HSBC Global fund The ACC version was at 273.52 in Jan 25 and now 296.65 The…
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Parent savings account
Hi, My mum and dad have a joint current account and separate savings account. My mum needs to get access to his savings account. My dad has had a stroke and also has Parkinson’s because of these he hasn’t got much of a memory and can’t remember his password. The bank have mentioned power of attorney but my mum doesn’t want…
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Transfer Sipp from HL to Fidelity
I am thinking of transferring my SIPP from HL to Fidelity and take advantage of their cashback offer. I am assuming there will not be any exit fee to pay HL? Fidelity states that the cashback will be paid 90 days after 05.04.2026, so I can leave after the cashback has been paid should I wish to?
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Certificate of Interest - Self Assessment
I was doing my Self Assessment and started checking my Bank Account for Interest I got in 2024-2025 - unlikely to be anywhere near HMRC allowance. To my surprise it's not possible to get one for Halifax via Digital Banking. This got me thinking - do I really need to report £2.21 interest I gained in 2024-2025 - I then…
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Royal Mail Share
This discussion was created from comments split from: Weirdest Christmas flavours | 2025.
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Shareholder Incentive Vouchers - Which Brokers will handle them?
Asked this in the HL Fee Changes thread although it's a small issue and there's plenty of other discussion there so I thought it might warrant a new thread. A number of UK companies issue shareholder benefits vouchers/cards, mainly from the leisure sector (Mitchell's & Butlers, Marstons, Fullers, Whitbread etc). HL…
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Cahoot prize draw January 2026
* 1 x £25,000 prize * 5 x £2,500 prizes * 50 x £250 prizes Prize draw ends 31 December 2025. Winners will be drawn in January 2026. We’ll pay prizes directly into winners cahoot accounts. Winners will be contacted by telephone, or by email if we can’t reach you Many forumites will automatically get the max two entries, on…
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HL gilt maturity today - 0.125% 30/1/2026
Was anyone else holding this gilt (which matured today) with HL? I have a long running transfer out (I believe the blame for the delay rests with the receiving party!) whereby I was told this asset was still in HL custody. I received the final coupon in HL today but no sign of the principle repayment. Was anyone else…
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Moving £20K of savings into my wife’s name
I’m sure this has been covered many times from different scenarios but simply, can I move £20k from my savings into an ISA in my wife’s name to lessen my tax burden without any tax implications. I realise that the money will effectively be hers if I do it. Happily married for 30 years and she shows no signs of leaving me…
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New to Investing, Seeking Advice
Hi All, Hoping you can help steer me in the right direction. I am a 45 yo who has decided to start investing, so that I have more money to enjoy in retirement or, leave it to my kids if I pop it before I get to enjoy it. But I am feeling a little overwhelmed at the options. One thing that seems to be a no brainer is the…
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Quicken XG UK Version
I have been successfully using Quicken XG for 20 years. The software may be dated, but I have not found anthing remotely as good. It works perfectly on windows 10. Has anyone experience installing and using it in Windows 11? Will it still work properly? Thanks
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Skipton Members Regular Saver - maturity experience
My Members Regular Saver (RS) has just matured and after seeing/commenting on previous threads about the experience with maturing Nationwide Flex Regular savers, I thought I'd share my experience. The account matured on Jan 26th. I already had an easy saver account (strategically opened some time ago anticipating the next…
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The Old Regular Savers Discussion Thread 28/12/24-29/1/26
THIS THREAD HAS BEEN REPLACED. FOR THE NEW VERSION PLEASE USE The Top Regular Savers Discussion Thread Welcome to this thread The main purposes of this thread are two-fold: * To provide a list of the top regular savers currently on offer * To provide a place for all forum users to discuss regular saver accounts and ask any…
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ii new price plan
I've had the email from ii about the new price plan i am currently on the £11.99 fee which will increase to £14.99 I have a joint trading account with my wife with 60k worth of shares nothing else and buy or sell on average once a month. I am wondering if it would be more beneficial to move to the core plan at £5.99 ?
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Settlor/Trustee’s getting advice for investments
I have been asked a question by a friend after I had relayed how I received guidance on this forum last year. Settlor put money into trust for her 3 adult children (late teens/early twenties). Trustees were the eldest child and two of the settlor’s friends. IFA set up according to settlors risk questionnaire and has…
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I think I've finally cracked why most people don't invest in the stock market
In the UK only 23% of people invest in the stock market outside of their pensions. I think I've identified 3 key reasons for this, and not having money to invest isn't one of them. 1, They don't learn about compound growth and think £200 a month isn't worth it. They think in a short term linear fashion like £200 x 12 =…
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Coventry BS - Login authentication not working.
After entering username and password, the system tries to send a passcode for 2FA.At this point I get an error message: "Page Not Available. We're sorry we haven't been able to load this page."I use Firefox on a Win 10 PC.I have tried three times now. Anyone else seeing this?
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Asset Allocations by Country and Asset Type
An interesting visulisation showing how assets are allocated by country, based on Goldman Sachs data. https://www.visualcapitalist.com/how-investors-allocate-their-investments-by-country/ CountryU.S. EquitiesDomestic EquitiesRest of World Equities (ex U.S.)🇺🇸 U.S.78%N/A22%🇳🇴 Norway48%12%40%🇨🇦 Canada45%49%6%🇩🇰…
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Where to buy physical Gold/Silver Bullion at Market price?
Hi, Looking to buy from a reputable place/website, preferably at market price or cheapest prices not asking price and do I have to pay VAT? Discount available for bulk purchases? Also which website abroad is reputable if abroad is cheaper and what taxes am I liable for importing? Basically looking to buy at the cheapest…
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Dividend payout options
My Mum’s ISA is currently with HL and am considering alternatives after the recent fee changes. It’s fully invested in listed securities (shares, ETFs and ITs) and she enjoys the dividends from those which are automatically paid to her bank account. I wanted to check people’s experience with II and Scottish Widows around…
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