Savings & investments

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

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…

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 >

I have just seen that the Lightyear platform is now offering a selection of Gilts. This might be of interest to some of you since most other platforms have a fee per trade where as here there are no fees and they seem to have a bigger selection than Freetrade Has anyone else looked at this and have any comments on it?

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…

Hi, my Zopa RS matures on 24th. I'll obviously move the funds to a higher paying account. I don't (yet) see an option for starting a new RS but maybe it will appear on 24th. Thats the easy part.I'm a bit wary of not optimising the rest of it tho. To keep bonus rate it says DD on Biscuit or 10k across access pots. Do we…

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…

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…

Hi everyone, looking for a sanity check on a 6-year retirement bridge plan so I (61, basic rate) can slow down work immediately. Wife is 54 (non-taxpayer, NHS part-time, no pension). Target: £1,000/month net total. Current Assets: Main Home: £250k (mortgage-free). Bungalow Rental: Worth £155k (£40k mortgage). Brings in…

Hello - I’m preparing for a temporary 2-year move abroad and would love some advice on managing my UK savings while I’m away. As the move is temporary, I plan to keep most of my money in the UK and just take a small emergency fund with me. I'd like to protect my savings, but also hope encourage them to appreciate while i'm…

If I want to 'sell' my RL STMMF value to buy another fund (CUKX), what is the process and how long will it take before I can use the funds to buy the new fund (CUKX) ? As I am at work during trading hours, I am thinking once the fund is cleared in my account I can set the auto buy when price falls to x on the CUKX or is…

I signed up for the Etoro £75 free shares offer using the MSE link, reached a page with a Claim your free shares link and created my account. Funded my account with the required £200.00. But no evidence of any choice of any free shares or any free shares at all. The Chatbot advises that the £75 of free shares will only be…

This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…

The above account has now reduced in interest, can i close it and open another, if so then how as i don't see any option to close it on the website.

I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…

I got a letter through the post today from Equiniti, offering to charge 6p a share (max £25) to sell my 487 shares. They seem to be doing a sweeping exercise to get rid of small holders. I am inclined to think I should keep the shares as they are expected to increase in price and advice on google search is that you should…

Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…

Anyone else here receive their new terms & conditions? Key points include them NOT using their own capital to cover any losses, & also something about them not taking on the first 5% of loans 🧐 Sounded to me like nothing positive for an investor, & as a consequence, we will be withdrawing our funds (not a significant sum,…

Hi, I want to save £1000 a month. I only have current accounts, as the money that I transfer to what I use as a saver I still want to be able to access for home improvements as and when. What is best for me to do/ where should I put my savings. Should I split the money between an easy access pot and a high rate saver? I…

I am due to inherit over £100000 in the next few days. Where is the best place to put it? I am hoping to put it towards a house so it won't be locked away for too long although would like to save some. Also, I will lose any help I receive from UC so will have to use it to top up my wages until I can get more hours at work.…

Please could someone help me. i would like to invest £120,000 for one year with the highest monthly interest. i don't understand the advertised rates and if they are advertised as compounded etc. I am considering Oaknorth 12 month fixed with monthly interest which says 5.12% This assumes the account pays interest at an…

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…

Other half has been updating HMRC about interest on savings. They have told him he received £1.20 actual interest from Nationwide. Can only give him last 4 digits of this account. N/W have no record of this account. He has tried My lost bank account and Gretel but no luck Any advice, what to do next