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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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Advice regarding tax on savings interest
Hi all, I’m looking for some advice regarding tax on savings interest. I’m retired and my only income is from a company pension, which is taxed at source. My pension income exceeds the personal allowance of £12,570 and also the £17570 personal savngs allowance , so I understand as a 20% tax payer that savings interest…
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Saga Savings problem
Hi, My mother had an account with Saga Savings which she couldn't access for the last three years of her life as she had Alzheimers and they won't accept our power of attorney. She passed away three months ago and they still won't release the funds to us. Every time we talk to them there's another excuse and another delay.…
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Joint Instant Access Savings
I require a joint instant access savings account that is managed via an app, preferably without an annual bonus. It is important that a withdrawal appears in the linked bank account almost immediately. Any suggestions?
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CGT - Bed & Breakfast Rules
Hi - In tax year 25/26 I undertook a manual Bed and ISA transaction in order to crystalise a gain on an OEIC position below the 3k CGT threshold. Stupidly, a few days later I bought some further units of the same position in the same non-ISA account which I realise triggers the bed and breakfast 30 day rule, resetting the…
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MBNA problem
On a MSE reccomendation, I made a 5 figure investment with a MBNA fixed rate 1 year savings account which matures next month. I have received a maturity options email from MBNA with link to their website to state my choices. The link doesn't work and says there is problem. I phoned MBNA and the very pleasant girl says…
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Most recent: Transfer of S&S ISA with Scottish Widows to Charter Savings Bank by dunstonh
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