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CGT and selling demultualisation shares
I gained a small number of shares when Standard Life demultualised, so purchase cost 'nil'. Dividends bought more shares, but my records only go back to 2013. I must now sell. How do i calculate CGT
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2026/2027 cash ISA limits
How much can someone under 65 invest this new tax year (April 6 2026 - April 5 2027) in a cash ISA? Does the £12,000 limit for cash ISAs for under 65s y.o. start this tax year or the next? Thought it was this year but now seeing that it could be next year. Many thanks
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eToro changing default account to GBP
Just had email in from eToro "We’re updating the default account used when you open or close a position on eToro. Currently, trades are funded from your USD account by default - soon, they’ll use your eToro GBP account instead….." What does this mean for you? No conversion fees when trading GBP-based assets. You will…
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Vanguard LS100 or FTSE Global All Cap?
I have £5K of my ISA allowance that I want to invest in a stocks a shares isa for 10+ years. Basically,put the money in and forget. Am considering Vanguard LS100 or FTSE Global All Cap. Any suggestions on which of these two to go for?
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Is there a risk with eToro cash ISA?
Hi All, Is there a risk that I could lose my money with eToro cash ISA or will it be protected up to £85k regardless? From my understanding eToro invest the cash ISA money from their subscribers so if what they invest in goes down for whatever reason, I could lose it all or will my cash be protected up to £85k regardless…
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True Potential Investments
I have received a random email from True Potential Investments - the address it comes from is: sqlmail@tpllp.com and asks me to log onto TP Investor account. I didn't know I had one!! I don't trust IFAs (after a first poor experience 25 years ago) and AFAIK have had no dealings with them. I've had a quick Google to see if…
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Bank of England Citizens' Forum
I recently heard about this programme. You can give your views and also attend events, which are held across the country https://www.bankofengland.co.uk/about/get-involved/citizens-panels
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NS&I: Premium Bonds - older than 1990s
Hello there I am the fortunate owner of £5 of Premium Bonds acquired within a year of my birthday circa 50 years ago! Woo hoo! I hear you cry: a whole £5. Well, yes, if adjusted for subsequent inflation (which painfully it is not) it would have been worth £33.89 in July 2025 according to the Bank of England's inflation…
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Regular saver , what's the point?
I don't understand the point of a savings account that in the end you are going to only gain £25. For instance Principality pays 7.5% in interest, you have to deposit £200 every month for 6 months only ( no withdrawals) to get in the end £1,225.93 , that's an interest earned of £25 at the end of the 6 months . Is it worth…
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Top Savings Accounts.............Not ISA's
I have some cash I'd like to put in a savings bank. I have used my ISA allowance for 2026/7 so am looking for the best interest rate I can find. After reading MSE I selected a few banks: Chase, Prosper, Trading 212 and Chetwood - all are easy access. I'm now attempting to open accounts in these banks but find out ALL are…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Too late to fund IWeb/Scottish Widows S&S ISA?
I'll possibly get some flack for this, but I don't have a time machine! Does anyone know if I make a debit card payment to iweb today if it will still go into the 2025-26 tax year? The only thing I can find that says this would work is referring specifically to some kind of 'done for you' SW offering. Appreciate any info…
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JP Morgan Personal Investing - £100 Cash Offer
I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…
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S&s platforms
Wondering whether to use a cheap one Such as investengine or freetrade Or an established one such as fidelity or vanguard Any advice And can I move from one to another at will if I don't like a platform for any reason? For example I tried chase but found the android app really slow so closed it all down
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
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Whole of market Sipp providers - any differences in what is whole?
Can one assume that all of the usual popular independent DIY platforms offer access to the same universe of investment products, allowed in their sipps or isas? Not UK shares but more exotic products? For example, leveraged etf's, do they all offer the same universe? Non UK shares from across the globe? Could I assume that…
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Kent Reliance - pointless emails & SMS messages
Is it just me who is getting annoyed by pointless emails and SMS messages from KR? Just Today:- Your online statement is available Duh! Yes - I know. Monthly statements are available every month by definition. You don't need to send me an email me every month to remind me! On top of that I receive TWO SMS messages from KR…
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Simplifying into one global equity fund
Over the years, especially with the freedom to invest in more than one ISA provider in a given year, I was often in this experimental mode of using different providers and go for funds that were global equities in general but with some variations on which ones depending on whats available or cost effective on a given…
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Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?
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New rate of tax on interest from April 2027
Hi Apologies if this has been asked before but I couldn't find an answer. As tax on savings interest is charged retrospectively (well it is for me anyway!) when the new tax rates come into effect in April 2027 will they be applied only to interest earned from April 2027 onwards or will the new higher apply to any interest…
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