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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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Gilt Trade Issue
In 2023 my bank offered me the opportunity to invest in low coupon gilts and index-linked gilts that were very short term, one expired in March 2024 and one in January 2026. They pointed out that the prices were attractive and I would be only liable to pay tax on the coupon but the capital gain once the Gilt expired and…
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Is the real average global equity return only 4.87%?
I'm looking at this fund https://curvo.eu/backtest/en/market-index/msci-world?currency=gbp and it shows the average annual return is only 7.69%. But if we deduct the average UK inflation rate of 2.82% that gives a real return of a measly 4.87%. Why is it so low? But if you switch currencies to USD it shows 9.9%. And if you…
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Plum cash ISA
The rate is 5.05% made up of 3.54% + 1.01% 12 month bonus. However the 1.91% is lost if you "transfer in". I would be transferring in from another cash ISA. Is there a way of depositing the principal amount without losing the !.91% bonus ?
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FSCS query
Hi, I’m new to this forum and hoping for some advice with a query. I have had a monthly savings plan with Fidelity for a number of years. The value of all investments now exceeds £85k of which about two thirds are Fidelity’s own funds and a third managed by other companies with Fidelity the distributor. I’ve always been…
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General advice for savings and investments of around £500k
Hi there. I’ve always had some great advice and a range of opinions when I’ve asked questions on here about strategies for saving and investing. So, here is an open ended question about what the best strategy would be for me and my partner to invest and save. We have just over £500k between us from an inheritance a year…
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CSH2 ETF Alternative ETF?
Hi I have searched for an alternative to CSH2, but haven't been able to find one, specifically non-distributing ETF. I am looking at moving one of our SIPPS to Fidelity (just for IT / Admin resilience), but they still will not onboard CSH2 (for my cash/cash like holdings). I've looked at ERNS and it would suffice as an…
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Kids lump sum savings account
Hi, I opened a Halifax kids saver esrni g 5.5% interest 7 years ago when my son was born and have been saving in this every month. At the end of each 12 month period the money is automatically transferred into a kids saver now paying 3.1% interest. I am now looking to transfer a lump sum of £5k from the kids saver into an…
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CAN I DO THIS?
3yrs ago I opened a stocks and shares ISA with about £1500. I have never put any money in or taken it out since opening. Its done nothing except go down a little. Since then I have each year opened a new Cash ISA with different providers and always put the £20k max in. With it being 3 yrs old and never put any money in can…
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Any platforms offering bonus for investing (ala Wealthify used to)
Hi all. Are there any other platforms offering what Wealthify did a year or two ago - I invested 2 x £50 for my children and they are worth £115 now. Keen to do it again but can't seem to find any?
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Best buy instant access savoings with ATM card
Best buy instant access savings accounts are easy enough to research but I am looking for one with an ATM card option. Does anyone know of such an account?
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Savings of 80k - where to invest?
Hi My partner and i are looking for some advise on what to do with our Money. We are both higher rate tax payers, We have currently over 70k in a joint savings account and are not sure of what to do with the money. We have a mortgage we are still paying, we are currently in a good financial situation, although it could…
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Has Coventry BS pulled the 4.85% easy access 4?
My parents had to fill in a paper form because they wanted a joint account. I posted it back to Coventry yesterday but I can't find the account listed anywhere on their website and the page I had bookmarked loads an easy access 5 at 4.66%.
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Inflation: CPIH v RPI
One interesting statistic from this morning's inflation announcement (particularly for those interested in inflation-linked gilts) is the RPI figure. This came in at 3.6%, whereas the CPIH figure was 3.9%. RPI usually higher and sometimes much more so (eg March 2023 13% v 9%)
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: Coventry ISA transfer in form by Malchester
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