-
Investing Discretionary Personal Injury Trust funds
Hi, I'm wondering if anyone has experience of this. It's a relatively small award (30k). I have had the trust deed created by a solicitor and as far as I can tell I now need to set up a trustee bank account with either Monika or Metro Bank. Neither pay interest on the account, which is essentially what I'm asking about.…
-
best platform for low amounts
hi, asking for a friend - a pal of mine wants to start S&S investing through an ISA - i recommended interactive investor having recently moved there myself but didn't think about him only starting with £0 and paying in £100/month their flat fee of £6/month would be punitive I previously used charles stanley but they have a…
-
Aegon - GIA and Stocks & Shares ISA - Alternatives/Ideas
I'm trying to help a family member who is reviewing their investments. They were taken out by their partner years ago who is no longer with us. They are using the Aegon platform and have the following investments. Identical investments in both their GIA and ISA (although much more being held in the GIA). 27% held within…
-
Transferring Kent Reliance Cash ISA to Principality
What do you put in the Account Number and Sort Code fields on the Principality's online Transfer-In form? The KRBS account doesn't have an 8-digit account number or sort code, just a long alphanumeric account number. The form won't submit with these fields left blank, and entering the generic account number and sort code…
-
Opinions on savings rates
I'm just looking at ISA rates and savings rates. Considering locking into a fixed rate ISA for the bulk of my savings but would like to have a flexible ISA or savings account with a decent rate. Mine are now only 3 percent on the ISA n 2 percent on the savings. Just wondering whether to hold fire to shift the money or move…
-
SIPP
I am 64, retired and do not pay tax. Am I right in thinking that I can open a SIPP with £2880, then the government will top it up with the tax relief. Am I being stupid, or can I just cash it all in the following week as I am at the age when I can withdraw it? If so, it seems a no brainer for the free cash, or am I missing…
-
Source of funds and source of wealth
I received an email from Hargreaves Lansdown saying their Ts&Cs were changing to include the following. Reflect that we may request information from you to confirm the “Source of Funds” and your “Source of Wealth”, Has anyone had any experience of being asked about this by any financial institution?
-
Recognise Bank
I can't keep up with the list of unheard of banks on the savings league table as they change every few days, lol. My money matured this morning from Aldermore so I need to put it with another bank and now a new bank has come into the league table called "Recognise Bank". Not seen any posts on here for this bank when I put…
-
Personal Allowance
Can someone please explain why my allowance is dropping to 841, apparently this is based on projected earnings for 26/27 are we paying tax on money not eared yet?. As PAYE surely tax is paid on money earned above the PTA
-
Rebalancing ISA - where to start
I have an ISA that has built up over a number of years, mainly following fads. It was intended to provide income in retirement, but now that the IHT rules will change, there is less need to consider this as the main provider of retirement income. So for context, this is only part of the picture; I also have state pension…
-
The impact of the fund class on an investment
While in the process of removing my agent/IFA from my investment funds as a result of them being complacent and not providing any active advice, I'm now working through my funds to decide what to do with them. One fund I have, which was invested in 2006 is the following: AXA Global Sustainable Managed R Acc This fund has a…
-
Dividends Not Paid During Transfer
I’m stuck on where to go next and wonder if anyone can help. I transferred some shares from HL to T212. I initiated the transfer at the end of January and HL say they transferred the shares on 6th Feb. It took a while for them to appear in my T212 account and T212 say the transfer took place on 2nd March. The ex div date…
-
Spooked by ongoing sharp decline in value of investments - should I cut my losses?
I started investing in early January. So far my only investment has been in a Stocks & Shares ISA. I bought shares in a well-known global index tracker ETF which has been recommended on MSE and elsewhere. I knew at the start that the value of investments can rise and fall, however I have been somewhat alarmed at how…
-
NS & I Refusing to pay matured Child Bond
My daughter turned 21 yrs old this year. So I dug out the original child Bond and letter and then claimed it only to receive a letter back saying we changed to a computer system, have no record of your Bond and therefore we have paid it and then every reason given as to why I can't try and get my daughters savings. This is…
-
Woodford compensation and No Win No Fee fees
I joined the class action with Harcus Parker for redress from the Woodford catastrophe which to cut a long story short was not heard in court and instead redress was made via FCA. I received the compensation which was a small fraction of what was lost and was very surprised to receive a bill from Harcus Parker for almost…
-
Pension Funds
I want to pay a lump sum to my private pension of £48k before the end of the tax year. I understand the ups and downs of fund values etc, but if I’m going to make a payment right now, is it good to put this into a stocks and shares based fund or is it better to put to a cash fund and maybe transfer later? Has the impact of…
-
SSP1 Form - Statutory Sick Pay
I have terminal cancer and have been on sick leave for over a year. My Statutory Sick Pay ended in August 2025 but my employer never provided my SSP1 form, which is required to claim ESA. I chased this in January 2026 and continued chasing for over a month with no resolution. I contacted HMRC and they confirmed that…
-
iShares SEGA vs Vanguard VETY ETFs
Hi - one of the holdings in my SIPP with Fidelity is the iShares SEGA ETF. I'd like to move my SIPP to Freetrade (to take advantage of their cashback offer), but Freetrade doesn't offer SEGA (and I have e-mailed Freetrade to have SEGA added to their list of ETFs, to no avail to date). Freetrade does offer Vanguard VETY,…
-
Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
-
Ecology BS account number only 9 digits
Hi I'm trying to sign up to Ecology's new online portal but have hit a snag. My account number is only 9 digits and the form requires 10. Anyone any ideas? Cheers
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
