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Global Tracker costs.....
For hisorical reasons, and maybe through error I have several different flavours of global tracker in my SIPP HMWO was my prefered and was the cheapest at the time (currently charges .15% ) SWLD current prefered (charges .12%) but I also have a fair wack of SWDA (charge .2%) Just doing the maths it would seem wise to sell…
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When do you think the first cut in the BoE interest rate will come?
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Selling gold back to Royal Mint.
Has anyone sold gold bars back to the Royal Mint, and how safe/secure is the postage of it? Talking about 2 troy ounce bars.
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Transferring partial previous years ISAs to iWeb
Hi, Im looking to transfer specific funds (all Vanguard becuase I know iWeb offer these funds and so can do these in-specie) from Hargreaves and Vanguard platforms to iWeb. These are funds that Ive invested in - amongst many other funds and stocks - on Hargreaves for many years. Im just filling in the iWeb transfer form…
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Can i walk away from £80 000?
Hello my home has 80 000 RTB but we cant afford a mortgage but do have 54000 in a small pension ex tax plus 50% of a property worth 500 000 but that would mean equity release or a buy out of 50 % share currently getti g 300pm for my share as fam member living there. 60 yo and on low wage. No idea what to do. Its a bit of a…
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When to declare CGT?
I have sold some shares in a company at a gain but I am unsure when to report what, in terms of CGT. Scenario - All shares sold on 04.04.24 for £20k (cost £15k) BUT only received £10k on 04.04.24 as sale agreement was for of 50% up front, 25% in 1 year, 25% in 2 years. Do I just report all of it on 2023-24 so the gain is…
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Page not working
Regular savers calculator is not working on this page for me. Is it working for anyone else? or just my browser? https://www.moneysavingexpert.com/savings/regular-savings-calculator/?toolSelection=0
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New Bank Account without 3 years address history
Hi all, I'm trying to open a new bank savings account as I'm getting close to the FSCS protection limit. Without going into a long story, I have only 1.5 years address history and am finding it very difficult to open a new account, online anyway. Anyone know of a safe bank/building society that does not need 3 years…
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How to calculate interest
I have a Fixed Term 1 Year ISA valued at £10,932.52 with an interest rate of 5.9% AER I received £47.43 in interest for March I was told that the daliy interest rate is 1.63% and that it was calculated for February (29 days) but the bank could not help me any further Can anybody provide an insight into the calculation of…
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Tax on savings
I am a single pensioner and my income from pensions after tax is £17500 pa. In the last tax year I earned £1122 in interest and I didn't pay any tax on my savings. I am selling my property and will have an amount of £65000 which I am planning to put into my savings account which currently pays 4.65%. This amount will…
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Premium Bonds - inheritance
Whilst dealing with a relative's estate, I came across some premium bonds that were held by a distant relative who died many years ago. It appears that the holder's husband never contacted NS&I when she died. He subsequently died and again his executors never contacted NS&I. Neither did any subsequent beneficiary (under…
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Closing Nationwide Flex Regular saver, will I get any interest?
I open a Nationwide current account around 6 months ago and opened their Flex Regular Saver Issue 2 where I'm depositing £200 per month; interest will be paid after 12 months. I now want to take advantage of the Santander switch offer (and will open their Santander Edge saving account). If the Nationwide saving account is…
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Safe investments for elderly relative's savings.
An elderly relative has his entire savings split between: a) a current account (£75k), and b) an easy-access deposit account (£72k) c) premium bonds (£50k). He wants advice on where best to put that current-account balance in particular, but also whether the others should be moved elsewhere. Can anyone offer some…
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Chase Saver Account - 1% boost to 5.1% until November.
I just had this pop-up... Need to open a new Saver Account - can't seem to apply to existing Easy Access.
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Can someone explain Virgin Money's confusing dual system?
I have Virgin's Current and M Saver accounts which I can view and transact with on the Virgin Money app. I have Virgin ISAs which require a web login with different credentials. I've just opened a Cash ISA Exclusive and this is showing in the app? The two systems don't seem to interact. Is this a legacy systems/ Clydesdale…
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Savings interest tax calculation confusion
If any brainy types could help me understand this I would be most grateful. I was playing around with the self assessment calculator to see if I could understand how it was worked out, but I'm a little confused about the following. So, say savings interest in a year was 1380 SIPP contribution 24,750, raising Basic rate…
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Certificate of interest storage
Hi, Just wondering how you deal with all the certificates. Print out and put in a folder, download PDF documents and store on a USB stick? Guess easy with only a few accounts but I've opened quite a few savings accounts so it's a fair view. That would be a lot of paper if printed and a total waste. The question is more…
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Bank account help
Hi. I'm just about to take a £19, 000 lump sum from my pension (early). I need to use up to £300 per month of it to top up my monthly income. Obviously I won't be able to put any money into the new account. What is the best option for me to be able to do this, please.
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Recommendations for Teens
Hi I've never really had any savings so I'm looking for some guidance please. My son will be 18 later in the year and will receive £10,000 (gift from Grandparent). He's not going to Uni and intends to live at home for the foreseeable whilst doing an apprenticeship. He's keen to save what he can. My husband and I are…
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What to dox with 60k
Hi. I`m 63. I have a 20k cash ISA and 60k in a normal fixed 1 year savings account (matures in August). I don`t have a pension account that I pay into and am now retired living of a 5 year annuity paying 28k annually. I also have a guaranteed "fixed" pension "pot" with a maturity value of £412k with Canada Life (which I…