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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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Halifax Reg Saver 8% - no idea where to open one !
Just for non Halifax / Lloyds members - has anyone actually managed to open one of these new accounts? I have been on the website and appear to be stuck in a doom loop and unable to actually find the place to apply ! Any help / links appreciated. I've also tried the app, but this states that I ned to open a current account…
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At What Portfolio Size Would You Consider Professional Advice?
I've always been curious about this. Many people manage their own investments successfully, but at what point do you think it becomes worth getting professional advice? For example: £100k? £500k? £1 million+? Only when retiring? Never? Is it about the amount of money, or is it more about life events like retirement,…
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Herald Investment Trust
Symbol: HRI, ISIN:GB0004228648 Any thoughts on the future of Herald Investment Trust? Just had the majority of my shares in this sold via corporate event (I had previously agreed to this). From what I can establish it seems that Herald are being taken over by Aberdeen which appears to have become necessary due to hostile…
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Gifts out of excess income
One of my parents has been diagnosed with a terminal illness. There was a life insurance policy, which paid out to the children, and premiums paid for around 10 months. We will be using the gifts out of excess income exemption for IHT purposes for these premiums. This has been the only time, thus far, that we will be using…
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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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SUN LIFE OVER 50 PLAN. A WORD OF WARNING
In November 2006 my father opened this plan with SunLife. He agreed to pay them £22 per month and was guaranteed a lump sum payment of £2,040 upon his death. My dad continued to make these monthly payments right up to the day he died at the grand old age of 90 in January this year, in fact Sunlife took a payement out in…
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SIPP Portfolio Advice needed please
I am 66 years old, wife is 64 years old, we are both retired I am on full state pension, and have a small private pension Wife won't qualify for state pension until 2029 She also has small private pension. We have joint savings of around £200,000 I plan to draw £15,000 from the above savings over next 2 years to supplement…
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Why does Marcus by Goldman Sachs want inheritance documentation for opening a 4.90% fixed bond?
They asked for a bunch of documentation as proof of inheritance when I tried to open the account and chose inheritance as source of money, now I'm worried the product will get pulled while they get around to checking my uploaded documents, however long that takes. Maybe next time in future I'll just pick Savings as source…
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Santander's new 8% regular saver?
What are peoples' thoughts on their new offering - especially for existing customers? Is it a no brainer? How quick was it to actually close your old RS when going via chat before you were able to open the new RS? I note that rather than rolling into a new RS in 12 months time (with accumulated funds and accrued interest…
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Why do account-opening money laundering steps vary so much?
Hello, I have some money mostly from an inheritance 5 years ago at I've had in Barclays, then in Chase (better rate), and now that the rate is ended, I am looking to move the money to another instance access savings account with a decent rate. What I am finding is there is a massive difference between the how banks allow…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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IDS PLC / EP Bidco claim form
EQUINITI tell me i have to find the share certificate for my Royal Mail plc and sign a letter of indemnity which will carry a charge. But there was never a share certificate I could trace. But I have all of the dividends tax vouchers to prove i was the shareholder all the time. How much will the charge be? The number of…
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Retirement Investment portfolio thoughts
Considering retiring soon Aged 45 with a view to living until 90 or so, current portfolio in a variety of single stocks totalling around 1.5mil all in tax wrappers, Thank you Rolls Royce Our FIRE numbers Here have pension income/lump sum kicks in at 60yrs, 25k / yr and 144k lump sum. We have no children and no plans on…
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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?
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Selling Australian shares
Hi folks, my mother has recently (after what seems like it took forever to sort!) had a number of shares in Commonwealth Bank of Australia transferred into her name, that used to belong to my deceased father. The shares are managed by Link Market Services, but it appears as though it won't let us sell the shares via their…
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Etoro free £100 shares
Just a heads up Just opened Etoro via mse link to claim £100 free shares if you deposit £200 I added Initial small payment to check it worked ok Then sent second payment to make up to £200 However it appears that only the first payment is accepted so needs to be £200 to qualify for free shares Therefore I have just wasted…
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Anyone managed to beat the FTSE 100 in this simulator?
Hello folks, I stumbled across this quick interactive game today and thought some of you might find it interesting: https://www.strategicwealthpartners.co.uk/can-you-beat-the-ftse-100 It’s a 10-year historical simulator where you try to time the market based on real news headlines from the past. It really drives home how…
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X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
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Restructuring Finances Following Redundancy
Hi All, I just came through a difficult redundancy after many years with the same firm. I am fortunate to own my home with no mortgage and all debts are cleared. I am also very fortunate to have another job lined up at a slightly increased salary. I am 42 and my pension pot sits at circa £140k. I want to finally sort out…
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Complicated one involving Junior Cash Isa
I am looking for help with this because I keep hitting brick walls and I'm hoping somebody knows the answer. My initial question is this: If I have no ID except my birth certificate and my NI letter (I have not been in work or claiming benefits), can the bank refuse to allow me to activate my Junior Cash Isa? I am 20 now…
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