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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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Bed and ISA with Bonds
Hello Investors, I have a question, I'm used to Bed and ISA for transferring shares in funds and shares in individual companies from General Accounts to an ISA. Is it as simple with Bonds? I've avoided Bonds until now, but something over over on ii has caught my eye. I'm thinking of investing about £5,000 in some bonds.…
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Following Passive Investing
I followed a link given for the Monevator site and came across an article about Passive Investing. I wanted to find out more about this by looking at the ETF's they talked about. When I went to a couple of the platforms I've seen mentioned in this forum, I couldn't see those ETF's. At first I thought that was because I was…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: To provide a list of the top regular savers currently on offer To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article which…
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My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
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Limit of FSCS protection, S&S Isa, fund values beyond £85000
After decades of investing I'm fortunate enough to have an ISA portfolio (currently with ii) with a number of fund values beyond £85k. I'm uncertain as to the risk that there is to that part of the funds above £85k in each case - they are UK regulated funds with the majority as MMFs. Does the FSCS scheme only cover up to…
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Paying tax on savings interest.
For the first time in the 2024/25 tax year I went over the £1000 interest tax allowance. And by a less amount in 2025/26. Though I went over a certain amount I am sure it’s less than the £760 for 2024/25. they show I owe. They then adjusted my tax code so the last 4 months of the 2024/25 tax year I have paid £39 more tax…
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Buy to Let or Stocks & Shares ISA in 2024
Just after some general advice in 2024 as to whether people would lean towards a BTL or Stocks and Shares ISA to try and grow thier savings pot? My partner and I have around 30k in a basic savings account and want to try and accelerate this over the next 3-5 years. Thanks
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The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition…
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Scottish Widows free Regular Investing review.
For anyone who hasn't use Scottish Widows/Iweb free "Regular Investing" yet, I thought a review might be useful. I've used it a few times for mopping up small divis but have noted that SW frequently execute orders very soon after the LSE opens. "Trading the open" can be profitable for experienced traders but comes with…
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INXG Distributions
I thought it would be worth flagging an interesting feature of this Index Linked Gilt ETF originally noted by @Alexland, which seems to be "distributing" an excessive amount of interest. Most ILG have very low coupons, so a 12 month trailing yield of 7.15% is way above what you'd expect such a fund to distribute. It is…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Investment Planning
(moved from another board to here..) I hope this is the right place to ask for thoughts on how to plan my investments. I am trying to have a diverse asset allocation while keeping it simple (eg hold 2 funds) but at the same time not putting all my eggs in 1 (to 2) basket, but I feel I am going in circles. Background…
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"Santander £100 Amazon voucher without switching" crashing
Anyone tried this "Santander £100 Amazon voucher without switching" as shown on MSE webpage under switching? I have tried twice now applying for the Everyday account, following the correct link but right at the end when I click submit, I get an error reporting "Page Not Found". Very annoying...... Anyone else, got the same…
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Gilts - inflation linked Vs nominal check
Hi, I'm looking at securing 2 years of £20k in 2036&7. Using the ladder building tool it suggests that using nominal gilts would cost about £25k and using linkers would cost £34k. Is the £9k difference a reflection that markets currently think inflation will/might run a fair bit higher than the 3% the tool uses or have I…
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Inherited investment fund help.
HI In 2004 I inherited a investment fund namely a FTSE All-Share Tracker 2 Acc managed now by Columbia Threadneedle i believe. Since inheriting this fund I have done nothing with it, just let it sit, I've noticed that it has grown a bit in 2026 and wondering what I should do with it. 1. Do I sell up/ cash in and close the…
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Clarity over tax on savings
Would someone be able to confirm something for me as I think I am misreading this. As a regular rate tax payer it says I can earn £1000 in interest per year before it is taxed. So if I have money in a savings account and I earn £800 in interest and in my ISA £600 interest per annum does that mean I have £1400 interest and…
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Joint Savings Account with Sibling
I’m looking for the best option for the following joint account I want to open with a sibling. We plan to get a joint mortgage and want an account where we can both deposit money to cover mortgage payments. Whilst we trust each other implicitly, we would both like something that will allow us to set a chunk of money aside…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Flexible ISA and transferring to S&S ISA during the tax year? by InvesterJones
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