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Help balance our investments
Any advice much appreciated. Both my husband and I opened a sipp and a stocks & shares ISA earlier this year and will be topping up both next year. I am currently using Hargreaves holding bothFidelity World Index Class P AccRathbone Global Opp He is using AJ Bell holding bothFidelity World Index Class P AccHSBC Global…
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Accurately declaring interest on tax return
Hello all, first time poster but can see there are many knowledgeable people abound who might be able to advise a first time self-assessor! I'm in the process of completing my tax return and need to enter my BBSI interest. An issue I'm having is that the amounts on my 23/24 certificates of interest are not an accurate…
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Probably daft cash isa question
I've just opened a 12 month flexible cash is a with Barclays, obviously it runs from now till next November. The tax year ends and begins in April, so can I put £20,000 in before April and another £20,000 in before it closes in November? Thank you.
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Frederick Charles - Fine Art Investments
Was cold called today by someone called Amy at this company. Tried to lead my answers to questions about art investments. They are going to send me details by post - to an address i moved from 14 years ago. Not going to tell them my address has changed. Lol. Would I like the art to hang in my home or do i want them to look…
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Taxation of Wise "interest", also Trading212
I turned on the "interest" option in my Wise account last year and received £100 or so in 2023/24 (in pounds and euros). I've just received a tax statement for the year, 23 pages of it. This lists lots of acquisitions and disposals of the underlying assets. The summary says that none of the £100 is income, it's all "Non-UK…
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savings?
if anyone has more than 10 grand in there's saving to which I have. what is martin lewis on about we could lose money. is he talking about interest? also he mentions that we could owe tax.how the heck does he make that out? oh and I'm a pensioner. 73 yrs old
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London Electricity Share Certificate
I have a LE share certificate in the name of my late Father. Does it still have any value and, if so, where do I go with it?
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Interest Rates Falling
Looks like HL are the first to jump, rates reducing on uninvested cash accounts from Dec 10th :'(
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NS and I income bonds
Hi fellow moneysavers, I have recently inherited 500k and am looking to invest. I plan to leave the UK and therefore, my savings options are limited as a non-resident. However, the NS &1 guaranteed income bonds are available to non-residents who have a UK bank account, which is my case. The interest is not the best on…
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Cahoot
Does anyone have a idea when the cahoot sunny saver issue 1 pays interest
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Every month I buy into VWRP (accumulating) index fund at all time highs and I'm sick of it.
For the last 2 years I've been pound cost averaging every month into this index fund for long term investing (20 - 25) year time frame, it's for my retirement. When I bought my first shares the price was at all time highs but I didn't really care because it's long term and I was under the impression that with cost…
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Audley Funding Bond NQ Minerals (in Administration)
Has anyone tried to get information about getting our money back ..redemption date was 22 Feb 2022 ?
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Skipton Fixed Rate Bond maturing
18 month £85K Bond maturing in a fortnight, was getting 4.17% with monthly income. Would like to stay with Skipton as they don't clash with anyone else I have money with, and I like their style! Need to keep monthly income as it supplements my fairly modest pensions. Options for renewal are 1, 2, 3 or 5 years at rates…
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Tracker mortgages and base rate - a rant!
Banks!! The BOE base rate goes down, and they reduce savings rates within a few days. Base rate goes up and they increase my mortgage rate the literal next day, but rate goes down and they are not reducing my rate until 8th December 😡 In August when it went down, they made us wait 24 days, but 31 days is a bit rich. They…
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Trump effect on UK interest rates?
If (and obviously this is all hypothetical!) Trump does indeed go down the route of tariffs on imports and increasing US borrowing to fund tax cuts, is this likely to lead to inflationary pressures both in the US and beyond, and thereby increase the likelihood of interest rates staying higher (or reducing less?!) during…
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£40K in savings after house sale
Hi all, ive just sold my property and now have £40K in my account. My original plan was to purchase a new property but with the high interest rates ive decided to wait for mortgage to drop if they do. So ive placed £20k in a fixed isa for 12 months @4.2% interest this is the max allowance under the PSA so my question is…
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Tidying up my Finances - Advice Welcome
Hi All, Below is my financial setup and I wanted some advice on the setup, with the hope of making my money work as best as possible. I am 40 with two kids (4 and 2) my salary is £41k p/a. I own my own house worth £135k. I am hoping to buy a new house (bigger to suit the family) with my wife soon valued at approximately…
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CHIP poor IT and customer service
More of a warning than a discussion. CHIP offers poor customer service and has problems with their IT logging process throwing up errors. I would NOT recommend them.I set up an account on Day [1] but was unable to transfer money in as it threw up an error code. I contacted support, and on Day [2] I contacted them again.…
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Starter savings allowance
Can someone please explain what constitutes ‘earned income’?
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Chip app issues
Downloaded chip app yesterday to get latest easy access account. Tried to transfer money from my nationwide current account using details given by chip but said it didn't recognise account name (chip) so cancelled transfer. Tried to log on chip today but not loading up. Anybody else having issues?
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Most recent: Plum cash isa offers lower interest if I Transferring an existing isa to them. Why? by epm-84
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