-
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
-
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…
-
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 >
-
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…
-
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…
-
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…
-
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…
-
Criteria when selecting funds
This is a money saving forum and one of the aim in investing is try get the lowest fee possible (Monevator has a global tracker funds comparison list) as the funds I am considering are not on this list, I would like to ask, if there are more than one fund to choose from, aside from basing on the lowest fee, is it worth…
-
Has anyone Transferred into a Trading 212 Cash ISA recently?
I'm curious because MSE suggests that: "Rate 4.58% - 3.6% variable + 1yr 0.98% bonus - Lower rate on (most) transfers" but Trading 212 does not metion anything, and I've looked through their FAQ: "Can I transfer an existing ISA? You can transfer your ISAs in and out of Trading 212 without any restrictions or fees, although…
-
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…
-
Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
-
Monthly or Annual Interest Accounts - Increase in interest tax April 2027
What are peoples thoughts when opening saving accounts at the moment with Monthly or Annual Interest due to the increase from 20% to 22% in Savings Tax from April 2027? Opening an account now with Annual interest pushes all the interest earned into 2027/2028 tax year now. But with an account today with Monthly interest…
-
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…
-
Cynergy 1Yr Fixed Bond Maturity Interest Query
My bond matured today and the account shows the initial amount invested however it doesn't show the interest which should have been added. I've seen previous posts/comments on here which says that the interest doesn't usually get added until 7pm sometimes next day. Is this correct? I wanted to transfer it to a regular…
-
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…
-
Early Closing of Saving Fixed Bond
I was reading the Sunday Times Money section and was amazed at an unfair tax rule so am putting it here so those closing a fixed bond early are aware of it. Apparently if you close a bond early the loss of interest you are charged cannot be offset against the interest you would have earned if you kept to the full term.…
-
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…
-
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
-
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…
-
Immediate Care needs annuity
I am trying to persuade a relative that it could be a good idea to consider taking out an immediate care annuity. They are very reluctant to make contact with an IFA, and I thought it would be a good idea to build a spreadsheet showing the annual cashflow, with various scenarios. AI has produced such a spreadsheet, (with a…
-
Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?
-
Inflation Linked Gilt T30I. Is it worth it?
Is the ILG T30I worth it? According to Gilts Yield: Par: £100 Index ratio: 3.01776 Accured interest: £1.014 Clean price: £343.99 Dirty price: £345.004 (£100 (par value) x 3.01776 (index ratio)) + £1.014 (accured interest) = £302.79 Difference between dirty price and above: £42.21. Does this mean I'm paying a £42.21 premium…
-
ii - selling part of a fund and buying other funds
I have some cash, cash ISA and S&S ISA in my ii account. I am looking to sell part of my OEIC S&S ISA fund and also looking to buy 3 - 4 fund with the sale of this S&S ISA. I would like to know when I am selling this fund whether I can buy back more than one fund during the same transactions or do I have to wait till the…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
166K comments
Most recent: Cash ISAs: The Best Currently Available List by friolento
Today at 4:14PM
