Savings & investments

I’d like to check my understanding about income and capital gain on corporate bond funds. These charts for Man Sterling Corporate Bond Fund show both Income and Acc versions. On the first chart, set to Total Return, does the sum of the twelve red blips* – about 0.5% each – represent the distributed monthly income based on…

Intended as a bit of fun There's been more than a few 100-baggers (& then some) this century. I guess we all know the companies but we could talk about Pharma, Bitcoin, AI, other things. I'm not opposed to a fun portfolio and actually even the soberest of citizens generally concede that up to say 5% in such a thing is an…

I’ve just received a letter today to advise me that Virgin Money is selling their investments and pensions business to Octopus Money (I have a S&S ISA and Pension with Virgin Money). This will only affect their Stocks and Shares ISAs, Investment Accounts and Pensions. The sale of the investment business is due to happen…

hey all apologies if this is a frequent question. recently noticed my monthly wage was not same and noticed the tax code had changed… unsure why, so called HMRC. they said it is due to tax on hour savings. Firstly! I was shocked how they knew about my savings (50K) on another online saving account that i never declared……

Without wanting to get political so keeping the conversation general about their future prospects rather than any particular party is anyone else seeing medium to long duration gilts as a potential opportunity for overweighting within a portfolio now yields are at 27 year highs? I saw an article that highlighted that a 30…

With the rise of AI it has at times become almost impossible for a foreigner, legally in the UK to open accounts anywhere. Even simple things like changing a nominated account has become a nightmare and, in my case, and I am sure in the case of a lot of other foreigners like me, with the right to reside in the UK, in my…

I THINK they don't but the HMRC guidance wasn't totally clear, at least not to me. The guidance on this forum is substantially clearer :)

I understand what crypto currency is - its a "virtual" currency But I can't understand how people can make a fortune / loss investing in itand what is the equivalent in £'s or $'s to "mining" ?is it "printing your own currency ? Could someone explain to me in simple terms ?

Hi there I am a UK resident again from 2020 after moving back from Australia. I have funds still in oz which learns interest. I complete an australia tax return every year and pay my taxes. Do I need to do a tax return in UK. I earn roughly £6000 in interest a year or less Thank you

I just wanted to check if i'm interpreting this correctly. In years 1 and 2 of Help to Save if I saved the maximum 1,200 I will recieve a 600 bounus. However in years and 3 and 4 they only pay out the bonus on the difference between your 1 and 2 years maximum balance and years 3 and 4 balance. So if you saved the max in…

Just transferred my Isa from Trading 212 at 3.85% to Vida thinking I would get 4.3% and now I see they are reducing to 4.05% from 3 September! Mugs game this chasing the best rate

Hi there. I'm new to the forum, so finding my way around. If this question has been asked already, then please signpost me. I am aged 72 and have a total pension pot of £285k, with Aviva and with Clerical Medical. They are currently in cash funds (don't ask). I understand I have to make a decision on what to do with these…

Asking for a friend (genuinely!) who has been through major illness, is now unable to work, and has just sold a small second property she had been renting out. She now needs to invest the proceeds (£100k) to supplement her state retirement pension (only income). Her high street bank FA has provided details of fixed rate…

I am in the process of moving house, so I have sold all of my stocks that were in my S&S ISA in case of a crash and filled this year's allowance in a cash ISA for me and my partner. I have ~50k left over sitting in a current account not earning any interest that I won't need to transfer to the solicitors for 4-6 weeks when…

Has anyone tried this? “Newbies can also open its linked easy-access saver within 31 days of opening the account, which gives 4.75% (2.5% variable + 2.25% fixed 12mth bonus), min 1p, max £3m.” MSE, August 2028

Hi! Bit of background... I'm 27 and have a 3-year old daughter, I live in a rented house, and I'm just going into my final year of a MSc Healthcare course. I come from a fairly low-income family and I've been pretty bad with money over the years, but finally getting better at managing my monthly income and not spending…

Advice please! getting redundancy £140k (£110k subject to taxes) YTD earned £47k expected more income this tax year circa £10-£15k (if I find a new job) which will take me to way above 45% tax bracket monthly expenses £6k what should I do with redundancy money to reduce the tax but also earn something I need to have…

I'm spending time trying to learn a bit more about storing crypto seed phrases. I came across the 'material cold wallet' concept. Is this where you create your own seed phrases? These are not electronic, so how does crypto purchased and stored on crypto platforms 'know' what the phrases are?

Has anyone had any luck contacting IG investments, preferably to speak to a human? I sent some money to my IG account but looks like it was mis-routed (reference auto corrected and I didn't notice - yes I know it's my responsibility). IG only seem to be contactable via WhatsApp (no response after 4 days) or Chatbot (no…

In January I signed up for one of their six month bonds, choosing the option of interest paid monthly. Everything seemed OK, it was all done on one of their Apps. But there was no clear confirmation of whether it was end of term or monthly payment in any of their communications. In fact I received only two emails;…