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Fidelity - taxing interest outside ISA?
DH holds some cash in his Fidelity Cash Management Account to pay the fees on his S&S ISA. This earns some interest. However, they also appear to be deducting tax from the interest at source, rather than paying it gross. It's only pennies, but I thought all interest is paid gross these days. DH is well within any tax from…
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Personal Investment plan Tax liability on cashing in
We have a joint Halifax (Scottish Widows) PIP. Its a managed income fund paying us a quarterly income (small). It was taken out in 2010 with £100k invested. It has never given us the income suggested at point of sale, and we are considering cutting our losses and cashing it in. Its worth at the moment circa £92k. We were…
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Santander Edge Saver
Hi all, I opened a Santander Edge Current Account (no direct debits to avoid paying the monthly fee) and the attached Edge Saver on 7th April. I was expecting my first interest payment yesterday but haven’t received it yet. The interest payment on my 5.2% Easy Saver arrived as normal. Before I contact them just thought I’d…
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Trouble opening Zopa account
Zopa won't let me open an account - because I already have one! Many years ago I had a Zopa account, finished with it, thought it was closed. Now I want to open an ISA with Zopa. Went to register for an account, Zopa said I appear to already have an account, please log in, if you don't remember the password click…
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Ferranti International Plc shares
I've recently come across a share certificate for 1000 ordinary shares in Ferranti International Plc which I purchased in 1990 and had totally forgotten about. According to Companies House Ferranti Int. Plc. ceased trading earlier this year but I believe there were one or more buy-outs in the intervening period. I moved…
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L&G Global Equity UCITS ETF LGGG
Was looking at this ETF as a potential Developed world tracker Its been around since 2018 and seems to be performing as well as other Developed world ETFs,low ocf at 0.1%, yet the fund size is less that 100millionAny ideas why the size of this fund is quite low?
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RCI bank not in MSE 2 year accounts
The RCI bank 2 year fixed savings account at 5.05% is not in the MSE top accounts list. Does anyone know if there is a reason for this. Also I note that there a quite a few threads from a few years ago where people were dissatisfied with the account opening procedures and communication. Is there anyone who has opened an…
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Early Transfer of Fixed Rate Cash ISAs. Sensible?
I've been reviewing my wife and I's cash ISAs and note that we have a few fixed-rate ISAs with low interest rates (eg, 1.2% and 2.1%). We are obviously locked into these for a while yet, but, given the number of cash ISAs with much better interest rates around at the moment, I am thinking about ending these early and…
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Selling Vanguard Funds on IWeb?
Would anyone know how selling Vanguard funds on IWeb works around when the sale is priced and when the funds are typically available to re-invest please? I've only ever purchased on IWeb and usually the purchase has been priced the day of putting in the purchase order (assuming done before that days valuation point).…
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Opting out of SERPS
I have recently looked at my pension forecast where it confirmed that I did indeed opt out of Serps. However, I have no idea where this pot is held. The company I worked for at the time went into liquidation and I don’t know what happened to the fund. Or indeed, where it was held. How do I trace where this pot is.
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Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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What's the best thing to do with a large lump sum gift?
I want to put a large lump sum financial gift towards my next home but haven't found anything suitable yet. Where's the best place to put the money in the meantime?
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IFA fees
I was hoping to get my ISA stocks and shares, the proceeds from the sale of my properties reviewed and replan if necessary with the IFA ( financial planning and wealth management business) I had used. Unfortunately, it had been bought by Company X. I would like to know 1. What are the annual returns for low, medium and…
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Tax on interest (again!)
I know this subject has been done to death - but I still find it confusing. Assuming earnings are: 12570 tax free band 1000 PSA allowance 5000 Starting rate for savings So if I earned 18570, there is no tax to pay If I earnt one pound more, does the "Starting rate for savings" disappear...? 12570 tax free band 1 taxable…
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Santander Easy Access Limited Edition
The Key Document ofr this account states the annual interest at 5.20% AER/gross and the monthly interest rate at 5.08% AER/gross. Should the monthly not read 5.08% gross (5.20% AER)? Or have I misunderstood how AER works?
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Fund Suggestions for Junior ISA
Hi Everyone, Planning to open Junior ISA for son aged 13 with HL. Any suggestions on how to distribute £9k in few funds HSBC GIF Turkey Equity Class BC - Accumulation (GBP) Jupiter India Class X - Accumulation (GBP) Baillie Gifford American Class B - Accumulation (GBP) One from these two HSBC FTSE All World Index Class C -…
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Full transfer of current year subscription only ISA
Hi there, I have recently used an ISA to wrap work based shares coming out of a scheme. Once in the ISA I sold and withdrew a proportion that I needed personally. There is now a cash balance left in this ISA which I wish to transfer to a cheaper platform - this platform only accepts partial transfers from the current tax…
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Moneybox £50 cashback - Invite only
Just had email from Moneybox with offer of £50 cashback if open a S&S ISA or GIA and deposit £500 by 31 MayAs far as i understand its only people who receive email that qualify.I think its because i opened a Moneybox Cash ISA during March, https://www.moneyboxapp.com/50-cashback-incentive-faqs-and-tcs/?lid=i0ihu9mzegu4
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cash from isa immediate house purchase
I want to use 350k from existing stocks and shares iSA to buy a house immediately as I will get first choice from a new development.. Then sell my existing house (assuming 6 to 12 months to complete) and reinvest the 350k at 40k annually between us Can anyone calculate how much this will cost in terms of capital gains tax…