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Fixed Rate Interest
Morning all, This is my first post on here so please bear with me. Up to present date I have taken out fixed rate bonds over the years when the interest rates have been good and received all interest upon maturity. Today a thought popped into my head...If I am declaring three years of interest on my tax self assessment for…
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How far back to HMRC go on crypto??
Hi I first bought Bitcoin in November 2017. bought it at random, bit at a time. on Coinbase Used it in 2018 to buy Ripple (lost a lot) on a different exchange (Gatehub) In the down market (yes I know ...Dumb) I used ripple to buy back into Bitcoin on Coinbase I have bought at a few stages over the last few years My overall…
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Question about (variable) notice accounts.
Hi. I just have a quick question regarding notice accounts. I was (before seeing that their rate drops to 4.7% tomorrow at least) in the 95 day notice account by Recognise bank at 4.95% AER But I am just wondering that if they change their interest rate whilst you have an open account and money invested does one still have…
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Vanguard Stocks and Shares ISA S and P 500 Investment Query
Hi all, Looking for your advice and view points please. I have a Vanguard stocks and shares ISA, majority is invested Life Strategy Fund 60% and Life Strategy 80% funds. I also have a small amount in the Vanguard S and P 500 Accumulation and S and P 500 Distributing All the of the above is within my Stocks and Shares ISA…
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pension lump sum
I have recently retired and have a lump sum of £100,000 which is currently sitting in our (my husband and I) joint savings account. He has not retired and so is earning a decent wage above £50,000. I have just opened a cash ISA and will tf £20,000 into that. I will probably spend another £30,000 on some house improvements.…
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Hargreaves Lansdown price improvement.
"We beat the market price on 94%* of the deals our clients place. Just another reason why we’re the UK’s number 1 retail stockbroker." Last month we saved you £*** on your share trades thanks to HL's price improvement. How does it work? When you buy or sell shares, you’ll see the market price. We then find quotes from…
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First Direct regular saver
What's the thoughts here in First Directs regular saver account at 7%? I've got around 25k sat in my recently switched Nationwide account and I'm tempted to move it to their standard savings account, then open a FD current account with £1 and setup a £300/month DD to the regular saver....assuming that works.
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Nottingham Building Society - Not receiving initial email when trying to open a new account
Has anyone else tried to open a new (online) account with Nottingham building society, but early on in the application process failed to receive the 5 digit code they email you?I'm using a xxxxx@yahoo.co.uk email address. Perhaps that is the problem?
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Terminal bonus
Can anybody clarify if a terminal bonus can be withdrawn from an onshore bond spread over a few tax years or does it have to be taken in one go on closure of the bond? I can find lots of information on withdrawal of initial investment at 5% / year but nothing on the terminal bonus. It's rather a large gain which will…
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high interest savings
hi looking at putting some money into a high interest bank, looked at ISA as well, any recommendations .
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Revolut CEO blasts London Stock Exchange as ‘not rational,’ eyes US for IPO
Revolut CEO Nikolay Storonsky criticized the London Stock Exchange as "not rational" for an IPO, citing high costs and low liquidity compared to the US market. He pointed out the UK's 0.5% stamp duty on share transactions and limited liquidity as major drawbacks. Storonsky emphasized that unless the UK improves its…
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CGT
Can you offset your monthly fees against your CGT gains
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Self Assessment for >£10k interest
I'm doing this for the first time and I've got to the page that caused the self assessment: UK Interest. It has two boxes: 'Taxed UK interest. Enter net amount after tax has been taken off: (optional)' and 'Untaxed UK interest (amounts which have not been taxed). Enter total amount: (optional)' I assume it's the second…
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Help with money transfer company
I recently sold an apartment in Tenerife. The solicitor, upon completion on the sale, recommended a money transfer company to transfer the funds to my bank account in the UK. I was uncertain, as I normally use Wise. However, the solicitor said the company could give me a better rate than Wise. I agreed that they could…
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How can I view the long term history of the UK stock market?
On tradingview when I type in SPX to show the S&P500 I get data all the way back from like 1900... The UK stock market is much older than the US stock market but when I type in UKX for the FTSE100, it only shows data back to 1989. Also if I type in the ticker symbol of the individual companies that have been pubic for…
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Existing Virgin Money customers have to create a new account to open a Cash ISA?
I'm being overly cautious, but because it looks like Virgin need me to create a separate online account to open a cash ISA I'm having second thoughts open one with them. I have the M Plus Current, M Plus Saver and the Regular Saver, but as these all start with a 82 sort code, I can't apply for an ISA without setting up a…
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Investing 300k GBP in active GIA
Hi there, I'm new to the forum but I was reading with interest, some of the feedback on fees that everyone is paying for their investment ( DIY or managed). As per the title, I have about 300k GBP lump sum that I'm looking at investing in a GIA account with active management. I'm looking at tax efficient ways of getting…
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Interest rate for corporate accounts
We have a limited company for owners in a block of flats. We are looking for the best interest rate for our cash (over 20k) fixed rate?
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Ten years to £1m?
Hello friends, I have just turned 40 and the realisation that I am getting on has fully hit me. I have been investing every month, a little more seriously since 2016. Between wife and I we have £312,000 invested between S&S ISAs and pension - roughly £120k in ISAs. I have been doing some modelling of what would it take to…
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Fidelity Wealth
I am interested to hear views/opinions from anyone who has SIPP/S&SISA/GIA accounts with Fidelity and qualified for Fidelity Wealth's services by way of meeting the minimum account threshold. In particular did you benefit from any aspect of the service e.g: review of your accounts or was it more for ad-hoc queries etc I…
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: Don't cut Cash ISA limit, MPs urge Government by masonic
28 October at 7:45PM
