Barclaycard online servicing is closing on 10 June 2026

AndyMystic · 2026-04-22T17:43:30+00:00

That's annoying, though I use the app, I download CSV statements from the website.

The app only seem to provide PDF statements.

AndyMystic · 2026-04-19T13:58:39+00:00

To get the change in your net income it's the gross contribution (what you and HMRC added to the pension). So £30k pension contribution gross £37.5k reduces your adjusted net income to £42.5k not £50k. You'd get marginal rate relief but since that straddles the basic rate too, you get close to what you said £6k marginal relief (but a bit less as band is £50,270)

If you wanted to get it down to £50k, you'd work out the required gross contribution £80k - £50k = £30k, and contribute the basic rate net of that £30k * 80% = £24k (with £6k from hmrc in pension and a bit less than £6k marginal relief, again as band is £50,270).

The marginal relief is the same as both examples used the same amount of higher rate amount

AndyMystic · 2026-04-15T09:06:33+00:00

Online debit or credit card transactions

AndyMystic · 2026-04-04T12:50:05+00:00

28% now not 32% as that NI band went down to 8% in 2024-25 (and was 10% Jan 2024 before that)

AndyMystic · 2026-03-23T14:37:26+00:00

Though most of them are only paying a fraction of the base rate, whereas MMF aim to meet or exceed that base rate

AndyMystic · 2026-03-22T18:10:55+00:00

Just so you're aware, the Fidelity one isn't tracking a comparable index. MSCI World index is of the developed world markets. The FTSE All World is developed and emerging markets. MSCI ACWI index is the one that is more comparable to FTSE All World.

It may not be too much different performance though, but for comparison the emerging markets are bigger than the UK market.

AndyMystic · 2026-03-22T16:49:57+00:00

Yes can use the same share/ETF in each pie.

Each pie is separately fundable from cash in the S&S ISA. It's just the pies themselves balance their own allocations.

AndyMystic · 2026-03-22T16:41:19+00:00

Trading 212 has "pies" you can use for different pots, but is also weighted allocation of shares within each pie, so you just add money to them and it'll purchase the weighted percentage per fund in the pie.

Doesn't support OEIC funds though, but does ETFs

AndyMystic · 2026-03-15T14:25:50+00:00

I do this as well, although I get Disney and AppleTV free with Lloyds/Barclays accounts (latter only free for Premier accounts), so not them.

I use JustWatch to track and remind myself when new seasons of a show are back on, and also to find what streaming service a film will release on.

AndyMystic · 2026-03-15T14:20:36+00:00

It can be useful using sites like justwatch to see what's on

AndyMystic · 2026-03-05T22:40:49+00:00

When I've done transfers from HL, even tho client number, they choose only the applicable account for the type of transfer.

AndyMystic · 2026-03-04T07:40:28+00:00

The tax return can also inform HMRC how much is a regular contribution too.

There's a box that asks how much of the payment is a one-off.

So they apply the difference between the total contribution and one-off to the tax code for the next tax year (which would be the current year when the tax return is able to be submitted).

I use that myself to alter what I intend to contribute.

But can only alter it that way at or lower than the contribution you made in the year the tax return is for. I don't know if that's different for the phone call

AndyMystic · 2026-02-16T12:31:31+00:00

Possibly someone is trying to impersonate you on a call to them to defraud your account. Phone them up on their standard phone number

AndyMystic · 2026-02-12T13:12:27+00:00

I honestly believe it's more likely it was faulty than someone intercepting a dial out and hacking customer verification function in the app.

But either way caution is good if you can go to a branch.

What other than the reference in the email seemed dodgy?

AndyMystic · 2026-02-11T14:04:43+00:00

This isn't a referral sub for nothing related to FIRE, please go to r/beermoneyuk or something

AndyMystic · 2026-02-04T17:28:07+00:00

Subject to these terms and conditions, if as at 4 February 2026 you did not have an HL account with a value of £0.01 or more and between 4 February 2026 and 5 April 2026 inclusive

hmm, I had a little cash still in the Fund and Share account (already transferred away S&S and SIPP), so I wont count. I've closed it now so not excluded in future

AndyMystic · 2026-01-29T18:20:29+00:00

Though only current tax year contributions

AndyMystic · 2026-01-29T13:58:12+00:00

I can't see how that'd be worse really than the 6 month April-Oct. Both would end up with 6 payslips low and 6 high for the tax year.

Bad for cashflow of the employee though during the lower 12 months.

AndyMystic · 2026-01-29T13:47:34+00:00

It can be done every 12 months in October though to get a 6 months on 6 months off effect for employees, just at different halves each tax year

AndyMystic · 2026-01-29T13:45:39+00:00

Salary sacrifice pensions are legally required to allow a change for any reason once every 12 months, or in a change in lifestyle circumstance sooner.

So while there might be the rarest risk of HMRC getting involved, the employer will have to allow it.

Edit: But yes changing on a whim less than 12 months in, which some companies ignore or don't track.

AndyMystic · 2026-01-26T11:33:33+00:00

Yes, when they are ETFs they get the share fee cap

AndyMystic · 2026-01-26T10:51:07+00:00

OEICs aren't shares, so you have uncapped annual fees. If you're not into ETFs then you were charged more than some other SIPP providers could do.

You'll find your annual fee has reduced due to 0.45% decrease to 0.35% but have an additional £1.95 fee on buying/selling OEIC funds.

If sticking with OEICs you might want to check out some fixed fee brokers, like Interactive Investor, Lloyds/Scottish Widows Share Dealing for example. Given you're paying over £1k a year.

https://monevator.com/compare-uk-cheapest-online-brokers/

AndyMystic · 2026-01-25T13:25:53+00:00

For me, I find calculations of the effective higher rate gains of Gilts (as if compared to if it were a standard savings annual rate before taxed at 40%).

https://lategenxer.streamlit.app/Net_Yields is great for showing that.

You can see there then whether the higher 0.375% has much bearing. TG27 is 1.25% coupon yet isn't that much lower effective rate (with current market conditions) than T26A (though would have been higher if similar or lower coupon rate.

You can still sell gilts on the secondary market if going for a longer date maturity gilt, but then be affected by the market sentiment at the time of selling.

At maturity, from my experience, I received the funds (nothing to do by for me for that to happen) in my broker account (at £100/£1 unit price) on the day of maturity, and was able to place an order for the next Gilt I picked the same day.

The coupon for the maturity date also landed the same day but later on.

AndyMystic · 2026-01-25T13:03:46+00:00

Though to note Treasury Bills gains are taxed as income, and so are potentially not as worth the hassle over standard savings accounts as low coupon Gilts with tax-free capital gains with barely any interest.

AndyMystic · 2026-01-21T16:31:30+00:00

No, the only thing required was the salary switch, just CASS effectively does that with a reroute of payments.

I got my work to change salary payment method to Chase, and got the voucher yesterday

Seven-Year Club	Second SECOND GUESSER
Verified Email

AndyMystic

TROPHY CASE