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CSH2 query
I bought some CSH2 on Friday (Lyxor Smart Overnight Return Money market fund). I looked at the portal yesterday and saw that I had made a small loss. And indeed, in Mon 24th the fund did close lower than it opened (see below). My "buy" price on 21st Feb was 117,087. I'm not too bothered but am just interested, for my…
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Savings in late teens
Hi. I had bonds for my daughter. She is very irresponsible with money. It was for a deposit for house, uni etc. I hadn’t told her about it. When she turned 16, they automatically took my name off and started corresponding with her. I really financially struggled to make this money, and I’m sure the capital is also getting…
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Premium bonds for long term returns are absolutely terrible in respect to a stock index fund.
So if you have £50,000 in premium bonds and left it there for 20 years, the probability of all your collective wins over that period of time amounting to at least £180,000 (£180,000 wins + initial £50,000 initial deposit = £230,000 total) is 60% - 70%. But if you invested that £50,000 into a passive index fund like MSCI…
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Csh2 in Iweb
I have some CSH2 in a general acct in Iweb. Will iweb provide an eoy tax statement saying how much of the gain is income and how much is capital gains....?
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Ifa, dfm and financial planners (fp) all in it together!
Writing on behalf of family member who has experienced the above companies. Was a customer for approx 8 years paying top dollar to an ifa by way of dfm and fp for ultimately a service we could have done elsewhere cheaper and better performance (in hindsight). Had a sipp that was invested with Zurich which was then…
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Protecting our savings
Hi Newbie here. We seem to be getting squeezed as to where we can protect our savings from the tax man. I am aware of the tax protection an ISA offers, but with the proposed changes to the ISA threshold looming, Where are you savvy savers putting your savings ? ( Interest above £1000 in banks and building societies…
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Lost Abbey National shares (now Santander?)
Hi. I am trying to recover a lost company pension. I opted out of SERPS in 1986 (I think it was that year) and worked for 5 years with the company who were using Abbey National which then I understand became Santander. We were given 1 share of Abbey National and I no longer have any documentation to recover it. I have…
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Pension adding more than £2880 non earner
Hi I am trying to find a SIPP that will allow me to pay more than £2880 in annually and pay a tax charge.I can’t use an ISA due to UC savings limits. This is the only way I can save for my retirement. Thanks
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Raisin Audit
I have had a Raisin account for a few months, few days ago they have asked for a copy of ID - DL or passport. Is this legit? I proved who I was when I joined. Why are they wanting me to do so again.
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Tennants in common with a parent ... Pros and Cons
I'm considering buying a house as tenants in common with my father and need advice on the pros and cons. He’s 72, owns his home outright, and I’m nearly 50, single, with no property of my own—making me increasingly anxious about both our futures. Originally, I planned to buy a property outright, but circumstances have…
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Trading212 Transactions
Hello, Has anyone had any issues with Trading212 transactions from their bank accounts being flagged as gambling or betting transactions by lenders when viewing bank statements as part of an application? In particular here, a mortgage application. Thanks.
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Immediate Alpha
Is Immediate Alpha a scam
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Quick question on Notice Accounts
I think I know the answer to this but it's worthwhile checking... I want to transfer a sum from a 90 day Notice account to an Easy Access account with the same bank. I don't have the EA account yet so I'll need to open one before I initiate the transfer. The thing is, the EA account needs to be funded with a £20k minimum,…
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bonds / gilts
Looking for a way to invest cash outside of the stock market, rates are above inflation but have been thinking about looking at bonds. Im unsure about where to start looking at bonds, any recommendations?
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Moving abroad (currently using AJBell)
Hi everyone I am planning to move abroad (I'm not a British Citizen, in case that makes any difference). I've been using AJ bell ISA as my pension/investment pot for the last few years, but I've realised that, once I'll move abroad, I won't be able to contribute in any way to my savings. So, I was thinking of moving my ISA…
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Skipton sort code
I am trying to transfer a maturing ISA from Skipton building society to West Brom building society. I can't find for the life of me a sort code for the ISA account. Not online, not in the physical paperwork and their phone line is now closed. Any help?
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My Community Bank savings question
My Community Bank savings account has recently matured and its automatically transferred to a Castle Community Bank account. I am trying to withdraw the money from this new account as the interest rate is much lower, but for the life of me I can’t find a way to withdraw my money! There are no options. I’m being thick but…
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Savings account and tax
I have sold my property subject to contract. I am going into temporary accommodation when I complete. I have not yet put an offer on the table for a new property as nothing suitable has emerged. I am likely to have to save between £400-£425,000. Where is the best instant access account to hold these funds in, in between…
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Coventry BS/Co-op savings accounts... any sign of merging..?
OH and I have a joint savings account which used to be with the Britannia and is now a Co-op product (with whom we have a joint current a/c). We would now like to move our funds to a Coventry BS product. Following the recent takeover announcement, do we simply go ahead with this move or are we wasting our time and effort,…
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Vanguard Funds
i have an ISA with iWeb. i was trying to buy some Vanguard FTSE global all cap index gbp acc it comes up as VRXXA rather than VAFTGAG When I looked into this it is listed on the key document as Mex ID: VRXXA can anyone tell me what this means? Is it listed in Mexico?! Is there any issue with this rather than the regular…
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