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Oracle Home Ltd Property Investment
My parents have been investing with this company and I believe it is a scam and they’ve been had. Anyone else heard or dealt with them?
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New to investing - should I do both ETF and bonds?
I'm new to investing, and looking to start my journey with index trackers (still working out ideal ratio of S+P, FTSE100 / 250, Whole World etc.). But, I recently looked into Bond Funds a little more, and it seems that it might be an ideal time to consider these. Apparently, bonds perform best after an interest rate peak,…
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Advice on LISA and other savings
Hello all, I'm looking for some advice on what to do with my savings, mainly my LISA. I'm 34 and opened it following some inheritance I received a few years back. I have 10k sitting in it. I opened it to take advantage of the 1k bonus and with the expectation of buying a house within the next 10 years. At the moment I'm…
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Suggestions for Short Term Investment
Hi, have never really been in the market for this sort of advice before (as never have any spare funds!) but I have sold my house and don’t have a clue where to deposit the £130,000 proceeds until I buy a new house in the New Year. Is there a short term best solution to this that may bring me a little interest, but that…
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Tax on interest savings - I haven't had a letter from HMRC
I am payed via PAYE and will need to pay a little bit of tax on interest savings for the 2023/24 tax year. I was under the impression that I would get a letter from HMRC with the amount owed and a taxcode change, but I haven't received anything. I need to fill in a self assessment for some freelance work anyway, so should…
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Gatehouse Bank Regular Saver
I have just opened a Gatehouse Regular Saver and have tried to make a transfer which did not work. Does anyone know if I have to wait until I have verified my nominated bank account for the deposit to work? Many thanks.
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Inheritance and help to buy
Hi there, hope someone can answer this for me. Currently in a Help to buy agreement, if I receive an Inheritance, will this have an impact on my situation. Based in Scotland.
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Investing for children - taxation
Is there a way to invest in shares using your children's personal allowance for dividend income? (going beyond Junior ISAs) I am confused about various account/trust types and he taxation aspects: I just read that there is such a thing as "parental settlement" for Bare trusts which seems to mean that the income is taxed as…
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Cynergy Bank says NO.
Cynergy banking down on app and website due to maintenance.
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Inheritance advice - £350k
Good morning, I'm looking for some advice following an inheritance of £350K - how do people advise we invest for best return. Current situation; Married - early 40s, both working approx £100k joint annual income 2 children - primary school Mortgage - due to be paid off next year - have looked into paying early but would be…
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Halifax regular saver.
Do you need a current account to open a Halifax regular saver? I know lloyds and BOS does but I'm not sure of Halifax.
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On track to exceed my PSA - should I move my money?
Had a flurry of regular savers and fixed accounts maturing over the past few months. I have kept rough record of these and think I may exceed the £1000 PSA limit, but not much. Maybe £80 or so. I have two more accounts that are accumulating interest, one of these is a fixed deposit so nothing I can’t do about it. The other…
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Tesco Bank to be bought by Barclays
This could be interesting.... https://www.bbc.co.uk/news/business-68249167
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Why this strange daily movement in UK smallcap unit trust prices
Is anyone familiar with the pricing of smallcap unit trusts and how they relate to their underlying market? Over the past month there's been some minor divergence between these funds and the smallcap index, however today they have moved particularly violently upwards ~3% without any substantial movement in the underlying…
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What's the current thinking on premium bonds?
I'm trying to work out the best place to keep my savings, with the stipulation that I might need to access it with short notice so don't want to lock it away. I have maxed by ISA allowance this year and have a little over 40k in a high interest savings account. I'm aware I will pay tax on this interest so I'm wondering…
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Bonds v bond funds
Over the years I've picked up little bits of information about bonds, but they still remain a mystery to me.This now seems to be a problem as the advice is to transition from stocks to bonds as you get older, and I wouldn't know where to start in buying bonds.Buying bond funds seems to be a way of getting around this,…
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Nationwide Force Closing Easy Access Saver (Book) Shares if changed to a Bank
Has anyone received a letter advising that from Feb 2025 Nationwide will close their old savings account and change the terms and conditions, so that if Nationwide ever convert to a bank they won't now have to issue shares to their members?
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When will any changes in Capital Gains Tax take effect?
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Thomson Reuters return of capital
I'm holding a small amount of TRI stock which last year distributed a "return of capital". For each share there's a distribution of around $4 per share and a reverse stock buyback. As a result each share was replaced by $4 cash distribution and a fraction of a new shares. After the distribution the portfolio value didn't…
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How do I know if an IFA is good?
Hi my query has 2 parts - I am looking to move a pension from Prudential (1) I think I am looking for the equivalent of Tripadvisor for Financial Advisors - does this exist? I am looking for an IFA but need to know if I can trust them and the advise they give is good. I have had some recommendations from an FA that…
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159.1K comments
Most recent: Cash ISAs: The Best Currently Available List by allegro120
30 August at 9:11PM
