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Banks we've never heard of
My wife and I have an increasing amount in savings accounts (we are too risk averse for anything to do with stocks and shares) but whenever it comes to looking at new accounts, the accounts are all banks or building societies we have never heard of. Why should this be? Can anyone recommend a competitive account with a…
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Savings Accounts options to dripfeed into Regular Savers
Looking for savings accounts options (mainly easy/instant access) where I can park funds to earn interest and set-up SOs to dripfeed into regular saver accounts with Nationwide, Co-op, Principality, First Direct (via 1st a/c). Any suggestions or links to existing threads will be helpful. thanks.
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Share Advice for 10+ year hold
Hi all I’m looking to have abit of a punt with a few hundred pounds spare. I’m looking for a share that is very low price at the moment, for a long term hold of 10 years plus Does anyone have any advise on any share that’s worth a punt for the long term? Many thanks
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CYnergy Bank
No access to my account this morning. Just get message saying the address is invalid. Anyone know the reason?
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monitoring a sipp
as im still fairly new to having a sipp i wondered do people invest regardless and just leave it or do you look at the market and say theres potentially a large fall after the US election and sell to protect any (small) gains against a big loss to ride out that potential volatility or so you just invest regardless and…
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Shepherd's Friendly 5 year fixed bond
I am thinking of putting my money into a Shepherd's Friendly 5 year fixed bond. I have two concerns. I have never heard of the company and not sure if it would be the way to go. They are offering 4.75% interest, and apparently one's money is totally secure up to the limit of the offering which is £125k (never thought this…
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Who's an IFA?
I'm not sure if this is an "allowed" post, I hope so. Posting without agenda, just curious as some people obviously are from their knowledge, maybe some others are just very clued up citizens. This doesn't require saying, but I'm not.
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Dividend Shares in Share Incentive Plan
Hi I've recently been made redundant. I have shares in a SIP made up of Partnership shares, Matching shares and Dividend shares and have been told I need to sell/transfer them within 30 days. I understand there is no income tax or CGT due if I sell from the plan as I'm a "good leaver", does this include the dividend shares…
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Return Projections
I was wondering what % return Wealthify used for their various risk categories in their ISA 'projection' tool. I'm bemused at the results. E.g. a single initial investment, picking 'cautious' and looking at their 'mid' performance projected value for years 2 to 20, the rate of return each year changes (up and down), but…
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Savings interest for non taxpayer
I have a joint deposit account with my husband. He’s retired but his tax allowance is taken up by his state pension plus a small other. I have a small pension but don’t work. We’ve been advised that my portion of interest on our savings shouldn’t be taxable. How do I check/put this in place? Speak in branch at the building…
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Zopa 7.5% Regular Saver
I have opened a savings account with Zopa but I cannot find their regular saver account. Is it no longer available?
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18% CGT - how are you responding?
So we’ve
moved from ‘wait and see’ to ‘what now?’. In an earlier thread I was thinking
of selling an unwrapped equity index fund and buying a medium duration low
coupon nominal gilt, and to balance that I would sell a wrapped gilt index fund
and buy the equity index fund. If CGT was not increasing until April I would…
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UK gilt calculations
I am calculating the redemption rate annually for the gilt TG31 - 31/07/31 coupon 0.25%. Yield Gimp website gives a redemption of 4.20%. Current price is £76.96. My calculation is: 100 (par value) -76.96 = 23.04 23.04\6.75 (year to maturity) =3.41 3.41 + 0.35 coupons= 3.76% So approximately 0.36% difference. Where does…
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Halifax Sharedealing - Good? Easy? Cheap? - ETA, But Lloyds better? 😉
Morning all, DH is currently with Fidelity, and paying monthly fees of ~£32 on his S&S ISA. After a bad experience trying to switch to iWeb, he appears to have been "banned" from there, as he is unable to reset his log-in (so lets park iWeb for a moment - long story) Who's the next best to switch to? It will be a switch…
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Saving account interest question.
I know this may be a very basic question, but I'm new to savings, so here goes. If l deposit say £1200 into a saving account for 12 months at say 5%, would l get a similar amount of interest if l had place £100 per month in a regular saver at 5% also?
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Account for child/minor vs. Bare trust for child/minor
If grand parents want to gift some money to a grandchild who is younger than 18 years, I understand this can be done by opening an account for the child with trustees appointed or a bare trust be set up. Is there a difference between the two or is a child account automatically a bare trust, given that trustees need to be…
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Cynergy bank messed up my reinvestment
My Cynergy 1yr fixed rate bond matured Nov 1st. They asked if i wanted to setup auto renew a while before maturity but I chose no. To back up my decision, and because they are very poor at communication,(problems in past) i sent a secure message a week prior saying do NOT auto renew and to transfer my funds to my nominated…
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Section 104 - Barrett Redrow
Hi all. Can anyone help with how I calculate the details of a section 104 holding following merger / acquisition? Earlier this year, I had X shares in Barrett house builders and Y shares in Redrow. They combined to become Barrett Redrow and I now have Z shares in the new company. Soon, I will be making a partial disposal…
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Best child £50k investment?
I have been left £50k (tax all sorted by solicitor already so that's the final amount) which I want to invest for my young, only child. They have an ISA and I'm not keen to add more to that as I'm not 100% comfortable with them having such a huge amount at their disposal at 18. I considered a buy to let property, but the…
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When to sell investments
I need to sell some investments in the next few months. From an ISA, so no tax implications. I'm wondering if there are generally accepted views on when to sell. Obviously the market can move up or down, and I'm not asking for advice on that. The kind of answer I'm looking for is on the lines of "If you must sell in…
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Most recent: Cash ISAs: The Best Currently Available List by allegro120
30 August at 9:11PM
