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Savings and Investments thread
Comments
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PragueAddick is also a sensei1
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My "waterfall" of cash for me and my wife is:
S&S ISA
General Investment Account (a small one to keep me below CGT allowance)
Pension (I'm contributing 10% me plus employer by default anyway).
Premium bonds
I never really get beyond GIA, once I have my "forever" home, pension goes to the top.
Wish that pensions could form part of your deposit, I suppose it kind of does when it comes to interest only mortgages, which will be my next mortgage type.0 -
I remember selling.....ooops, advising, a pension mortgage about 30 years ago. Only one I ever did.Huskaris said:My "waterfall" of cash for me and my wife is:
S&S ISA
General Investment Account (a small one to keep me below CGT allowance)
Pension (I'm contributing 10% me plus employer by default anyway).
Premium bonds
I never really get beyond GIA, once I have my "forever" home, pension goes to the top.
Wish that pensions could form part of your deposit, I suppose it kind of does when it comes to interest only mortgages, which will be my next mortgage type.0 -
Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)1 -
How long before they get really desperate and announce the quadruple lock?3
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Probably to get ahead of labour’s apparent reform of it in the budget next month.golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)2 -
Could totally screw the housing market with people holding off buying until the Tories get in…🤔…then again, maybe it won’t have an effect after all 😉golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)0 -
Rio Ferdinand, along with his wife Kate Ferdinand and their children, emigrated from Bromley, UK, to Dubai in the United Arab Emirates in August 2025, seeking a fresh start and new opportunities, according to several reports. He quit his pundit role with TNT Sports for the move, which aims to provide a change of lifestyle and a new environment for his family.0
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Looking for some guidance regarding exceeding the FSCS limit on Trading 212.
I have a fairly significant amount in the Stocks ISA on there (not quite 85k, but not far off).
After selling shares in my company I’m now looking to invest that money into a general investment account. Ideally on the same platform for sake of ease.
However, it would then mean I’m exceeding £85k on the platform.Should this be a concern when it comes to stocks?My understanding is that if a platform like Trading 212 were to go under then the investments should be protected as they’re technically in the companies that have been invested in, rather than on the platform itself? Where I’m not sure if that’s quite the case is if it’s exceeding that 85k number.0 -
Stocks and Shares ISAs are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per institution, but only in the event of provider failure (e.g., the ISA provider going bust). Your investments are not protected from market losses; if the value of your shares and funds decreases due to market fluctuations, you could lose money, and this is not covered by the FSCS.3
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How SIPPs are Protected
- In the event of a UK-regulated SIPP provider or fund manager failing, the FSCS may offer compensation for lost funds, up to £85,000 per person per firm.
Ring-fencing:Your investments and cash within a SIPP are held separately from the provider's own assets. This "ring-fencing" means that in the unlikely event of the SIPP provider's insolvency, your money is protected from the provider's creditors and should be transferred to another provider.Trust Status:Investments held within a SIPP are held subject to the trust rules of the pension scheme, which protects them from the insolvency of the SIPP provider.2 -
The proposed FSCS deposit protection limit increase to £110,000 (from the current £85,000) is planned to take effect on December 1, 2025. The Prudential Regulation Authority (PRA) is expected to confirm the final rules in November 2025, and any change requires approval from HM Treasury.4
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Trading 212 is generally considered financially sound due to its profitability, lack of debt, solid cash reserves, and strict regulatory compliance, including asset segregation and client fund protection via schemes like the FCA's FSCS in the UK. The company holds client funds separately from its own and uses multiple banks, ensuring funds are protected and audited to meet client asset rules.2
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If you have a fair bit invested make sure there is not more than £85k in any individual fund. The total amount invested in your funds is protected in any case so holding more than £85k on a platform isnt an issue.3
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Diebythesword said:
Probably to get ahead of labour’s apparent reform of it in the budget next month.golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
Its 100% this. They'll be some announcement in the budget probably about property over £500k and Tories can spin it by saying they'll scrap it totally0 -
Most random name drop i've seen for a while!golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)1 -
Everything I’ve got invested is in ETFs/bonds to keep it as diversified as possible.golfaddick said:If you have a fair bit invested make sure there is not more than £85k in any individual fund. The total amount invested in your funds is protected in any case so holding more than £85k on a platform isnt an issue.
Plan would be to put money into the general investment account and year by year transfer it over into the Stocks ISA.1 -
If you want to open a wealthify account i can get you a code which gives you a £50 bonus. Covered End/Chatgrp has covered the FCSC protectioncafctom said:Looking for some guidance regarding exceeding the FSCS limit on Trading 212.
I have a fairly significant amount in the Stocks ISA on there (not quite 85k, but not far off).
After selling shares in my company I’m now looking to invest that money into a general investment account. Ideally on the same platform for sake of ease.
However, it would then mean I’m exceeding £85k on the platform.Should this be a concern when it comes to stocks?My understanding is that if a platform like Trading 212 were to go under then the investments should be protected as they’re technically in the companies that have been invested in, rather than on the platform itself? Where I’m not sure if that’s quite the case is if it’s exceeding that 85k number.1 -
Obviously being a bit thick here but what does this post mean?Covered End said:Rio Ferdinand, along with his wife Kate Ferdinand and their children, emigrated from Bromley, UK, to Dubai in the United Arab Emirates in August 2025, seeking a fresh start and new opportunities, according to several reports. He quit his pundit role with TNT Sports for the move, which aims to provide a change of lifestyle and a new environment for his family.1 -
Sponsored links:
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Golfie said Rio frequents a Keston garden centre & I’m updating that he won’t any longer as he’s emigrated.Boom said:
Obviously being a bit thick here but what does this post mean?Covered End said:Rio Ferdinand, along with his wife Kate Ferdinand and their children, emigrated from Bromley, UK, to Dubai in the United Arab Emirates in August 2025, seeking a fresh start and new opportunities, according to several reports. He quit his pundit role with TNT Sports for the move, which aims to provide a change of lifestyle and a new environment for his family.1 -
Ok thanks for clearing that up!Covered End said:
Golfie said Rio frequents a Keston garden centre & I’m updating that he won’t any longer as he’s emigrated.Boom said:
Obviously being a bit thick here but what does this post mean?Covered End said:Rio Ferdinand, along with his wife Kate Ferdinand and their children, emigrated from Bromley, UK, to Dubai in the United Arab Emirates in August 2025, seeking a fresh start and new opportunities, according to several reports. He quit his pundit role with TNT Sports for the move, which aims to provide a change of lifestyle and a new environment for his family.0 -
Words of warning? I get the impression he knows what he's talking about!
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Hedging his bets by saying 6 months to 2 years though !bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Thats quite a margin to play with.2 -
Its a weird one. Setting aside the obvious political reasons for this and thinking purely economically stamp duty on primary residence isn't really conducive to a mobile labour market which is a key pillar of a productive economy. With the UK economy so intrinsically linked to the housing market its not good for a dynamic housing market either.golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
Thinking more anecdotally who on here has parents/grandparents who have/had large houses mostly empty but didn't downsize? Between me and my wife we've had 5 grandparents in that situation and both our parents. Stamp duty is definitely a factor in that which isn't good when we have a housing crisis. Those homes could be freed up for families.
Now isn't the time but in the long run and along with with a total reform of the tax system I wouldn't be against either removal or massive reduction in stamp duty on primary residences. Yoy could probably make up some of the shortfall by an incrementally higher rate on 2nd, 3rd, 4th onwards properties.3 -
I would love to see stamp duty replaced with a tax on property. Imagine the average house changes hands ever 20 years, and the stamp duty on that property would be valued at £20k, you effectively pay £1k a year for as long as you are in that property.cantersaddick said:
Its a weird one. Setting aside the obvious political reasons for this and thinking purely economically stamp duty on primary residence isn't really conducive to a mobile labour market which is a key pillar of a productive economy. With the UK economy so intrinsically linked to the housing market its not good for a dynamic housing market either.golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
Thinking more anecdotally who on here has parents/grandparents who have/had large houses mostly empty but didn't downsize? Between me and my wife we've had 5 grandparents in that situation and both our parents. Stamp duty is definitely a factor in that which isn't good when we have a housing crisis. Those homes could be freed up for families.
Now isn't the time but in the long run and along with with a total reform of the tax system I wouldn't be against either removal or massive reduction in stamp duty on primary residences. Yoy could probably make up some of the shortfall by an incrementally higher rate on 2nd, 3rd, 4th onwards properties.0 -
Stamp duty and council tax are two things that are horrendously outdated and give a bad return to the taxpayer. I’m expecting both to be looked at in the upcoming budget.2
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Well, it’s noticeable how everything moves much faster now…both markets and voter/consumer sentiment. So i’m working on the 6 months version. Other levels of caution are available 😉valleynick66 said:
Hedging his bets by saying 6 months to 2 years though !bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Thats quite a margin to play with.1 -
All, I just have to recommend this podcast I have raced through: Coining It, presented (brilliantly IMO) by Lewis Goodall. It involves Bitcoin and Blackpool, more than that re the content I won’t divulge, just to say that a lot of it was simply jaw-dropping, and throughout, exactly as the presenter intends, the listener faces the constant challenge “What would YOU do?” . One other subsidiary question it left me with was how the **** the town of Fleetwood sustains an EFL level footie club.
Enjoy!1 -
And a certain Rob7Lee!golfaddick said:Tories to scrap Stamp Duty if they get into power next time.
And they talk about the other parties & the money tree. I'll have to ask my son to see if they sell them at his Garden Centre. (Dobbies in Keston......as frequented by Fred Sirieix, Rio Ferdinand & Peter Varney !)
He does, but I'm ahead of him, a little over 2/3rds of SIPP now in cash (probably 70% of that was in US S&P500 or NASDAQ ETF's), never a bad time to bank profit in my book. S&S ISA also has very little now in the US.bobmunro said:Words of warning? I get the impression he knows what he's talking about!
Gold is still going crazy, starting to get very tempted to cash some in, but then what........ ISA's are full, Premium bonds are full, Pensions maxed out (I could maybe get another £2k into my wife's).0
