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Royal Mint Issues?
Is anyone else having issues with Royal Mint's website? Have (had?) some investments there in digital gold. Couldn't log on for weeks, now I'm in and my digital gold all seems to have vanished… As has the function to buy any more. As have the records of a few small purchases I made as gifts over the last 10 years. And the…
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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Easy Saver - how long Chase rate bonus lasts
On MSE it says that the bonus for a new account at Chase lasts 1 year - making the rate 4.5% AER. On Chase site it says: Get 4.5% AER on your savings That's a 2.25% AER boost, fixed for 12 months on top of our standard saver variable rate. Offer may be withdrawn at any time. Available to new customers joining from 29…
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S&S ISA - uninvested cash interest rates, why not shown on MSE frontpages?
Pardon my silliness and this could be a very obvious and silly questions but i couldn't find the answer. I've seen lots of ads online where you can open S&S account but you can hold uninvested money in there and earn interest (i think sometimes the uninvested interest is higher than the Cash ISA savings account for a bit).…
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123 Account to which easy access?
I briefly mentioned this in another thread. Currently have 28k in a 123 account. Fully aware that 8k is being wasted with no interest, and what with the monthly fee rising to £5 it's time to get it sorted. I've looked into various options and have decided that Chase is probably the best way to go (Initially for the first…
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Where to put £10k
Hi I have maxed out my ISAs and have £10k left to spare. It's in a savings account earning 4.2% interest. Is there anything I can do with it to boost it more? I'm aware I can earn £1000 interest a year without paying tax so I was wondering if there was a better way? I have no idea about stocks and shares though. Thanks
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My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
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Proceeds from house sale
Hi all, as a 60 something couple who are just weeks away from selling our current home, and are in the fortunate position of being able to live temporarily with family whilst we look for our perfect downsized property, we will have around £200k to invest in the short term. We have read about splitting anything above £120k…
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Moving to Aus, advice needed please.
Thanks for your indulgence here, please move to another forum if I've mucked up. My situation is this; Next month I will be moving to Australia for a few years, (no fixed period, but probably 5 years or so.) In the UK I will have my state pension, and the rental on our house, paid into my (Lloyds) bank account. I will not…
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Gilt Ladder Builder site question
Looking at the https://lategenxer.streamlit.app/Gilt_Ladder for ILGs, it seems that some of the gilts (e.g. T33 and T28) are greyed out. Any idea what this means? There seems to be trades ongoing each day. I wish to purchase some T33, but not sure if they are actually available or not?
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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Transferring ISA and SIPP out of Vanguard
I currently have some of my investments in Vanguard where I am paying the maximum £375 a year on account fees. I am looking to transfer out to reduce the fees can anyone recommend a good alternative platform with the aim of reducing fees. I don’t mind paying some fees. This is only for existing investments, new…
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S&S ISA newbie
Hi. I want to put £30k in a S&S ISA. It is currently in 2 Santander FRISAs totalling £40k which mature on 1 May. Ideally, I'd like to use Santander's managed S&S ISAs. I'm not confident re DIY investing. MSE says it's cheaper to use a platform such as CSD than a bank. Can anyone give me an approximate idea of annual fees…
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Hanley Economic BS Passwords
I recently opened a Hanley account, mainly to make use of it's DD facility into a savings account as there aren't many of these left. Finally received my user ID through the post and tried to log on but without success. I eventually worked out that the maximum password length you can use in online banking is 12 characters.…
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Nest as well as S.I.P.P
Hi I am paying into nest via work to the max my employer will add (4/5%) I am able to make extra AVC payments However, with nest I think they take 1.8% straight away as a fee Is it possible to open a new SIPP somewhere else and add to that, and still get tax relief on top of any AVCs?
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Bare Trust Investment Account - For Minor's Own Assets
My child is beneficiary of an IIP trust settled by my late father. From this trust my child receives mandated income and, if income is sufficient, pays tax. The income is his absolute property. The primary intent of the IIP trust was to generate income to contribute towards education; initially building up a surplus which…
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Santander Easy Access Saver Limited Edition (Issue 3)
Just had this email about my Easy Access Saver Limited Edition (Issue 3) We're increasing the term of your Easy Access Saver Limited Edition (Issue 3) by an extra 10 months. From 1 October 2024 you'll also get a new interest rate of 4.00% AER/3.93% gross (variable).
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Paragon Bank - Possible Interest Rate Reductions Without Notice
Just seen this banner below on their website. 'With ongoing volatility in market rates, we may need to make changes to our savings products. This could include some products being withdrawn, temporarily restricted or rates adjustments, without notice.'
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Tesco Internet Savings Account
I opened A Tesco Internet Savings Account in June 2025. I deposited £43,000, interest rate of 4.01% for the first year. My balance at 31.03.26 is £43,384. How is this interst being calculated?
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