-
The Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
-
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
-
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 >
-
Funds in SIPP
I have seven funds in my SIPP, and a small investment in FTSE 100 shares. One of the funds is Fundsmith, and in the eight years I've been running the SIPP its performance has been excellent, more than doubling in value in that time. However, the fund accounts for just under one third of my total investments. Is this too…
-
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…
-
Income funds?
Most of my pension comes from a small DB plan (which covers my basic needs), but I have some money in a SIPP. I have come to the conclusion I don't like the thrill of the stock market ups and downs and that having a plan where I can focus on the dividend (etc) income being paid will help me worry less about underlying…
-
Registration self assessment
Doing my first self assessment and on the registration is asking date untaxed income received from ? Do I put the start of last tax year there ? Thanks
-
Premium Bonds Article Discussion Area
This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.
-
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…
-
Chip on Crowcube funding round 2025 email 16/9/25
is there anyone else who has chips “shares* i invested through crowdcube in 2018, 2022 and 2023 and have 3 share certificates. The investments show 2 as nominee and one direct. There’s also an EIS attached to the direct investment (details haven been completed apart from the name/signature by CHIP) Im thinking of selling…
-
Considering dabbling in Bitcoin
I'm looking to invest a small, speculative, amount in Bitcoin. I currently put towards investing £500/month. This is split £400 in a Vanguard global fund, £50 in company stocks and £50 which I class as my speculative pot. I'd like to dip into the Bitcoin market, I know there is a risk it can tank and I'm prepared for that…
-
Daughter finally flying the nest
Little one and boyfriend have bought a house (a gazillion £ compared to the ten bob me and Mum paid for ours) Both work for NHS @ about 50k each. They are asking for financial advice. NHS pension great but neither wants to work beyond 60 (55). All their savings have been going to house but what now? Have suggested automate…
-
Financial Guidance
The old fella and me are thinking of selling our house. We want to move nearer to his work, but don't want to buy in that area. He retires in 4 years, so we're thinking of selling the house, renting a small place until his retirement and then with the sale of house money and his retirement payout buying a new home…
-
Closing the Edge Saver account
My 7% Edge saver account finishes its bonus part of the interest next month. I gather if you withdraw the money and close it you can then open a new one for another year at the current bonus rate. Can you close it via the app and if so how? Can’t see anything obvious.
-
400k cash investment tax implications
Hi I have 400k that I wish to get invested and apart from the GIA route which has tax implications. I can slowly use this money to fund my ISA each year but that has CGT impications and it will take years. I went to see IFA and they suggested investment bonds which I don't know much about so going to do some research. Has…
-
Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
-
Shawbrook - maturity option rates guaranteed?
May I ask those who've had experience with maturing Shawbrook fixed rate accounts (whether or not ISAs), if they selected an option 3 - 4 weeks prior maturity, is that rate guaranteed if the rate subsequently drops? Thanks.
-
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…
-
Savings account for an RTM
We are a block of 20 apartments and are a RTM Co. Ltd with a managing agent looking after collectionof service charges. We are very proactive and manage most of the building ourselves. We have now built up a substantial amount of service charge surplus funds held in a trust account by our agent. Our agent however will not…
-
Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
-
HMRC Tax Code changes are on their way
I don't mean generally, but for those of us who have exceeded our PSA. Confusingly though, the notification I received this morning via their app was a Tax Code change for 24/25 based on estimated untaxed savings interest for this tax year. Yet, when I check for tax due on my untaxing savings interest for 2023/24, it still…
-
Setting up a bare trust account for child
Hello, We are looking to setup a bare trust dealing acccount with AJ Bell. Donors would be grandparents of the beneficiary (who is 5 years old). Questions I have: 1) is it best to go to a solicitor to draw up the bare trust deed to make it bona fide a bare trust or is the aj bell form together with TRS registration good…
-
Problems Opening an OakNorth Account
Hi, Has anyone had any difficulty trying to open a Fixed Rate JOINT Savings Account. Edit: OakNorth have sorted out the problem. All solved
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.2K discussions
159.6K comments
Most recent: Keeping track of isa allowance by masonic
21 September at 7:32PM
