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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

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 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 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 >
SIPPs/Pension Dilemma
I have a SIPPs since 2015 and it got hammered during Covid but bounced back and June 2021 was approx £455k, now June 2025 it is £470k. Due to Covid, Russia/Ukraine war and Trump it has only gained £15k ( after £30k fund fees in 4yrs). With fees now £7.5k annually Can anyone give me some advice on what to do? Inflation has…
Transfer out Vanguard SS ISA to another platform with lower fees
I currently have around £3k in my SS ISA with Vanguard, all held in FTSE Global All Cap Index Fund Accumulation fund. Given the new fee structure has been in place for a good few months now, I'm wondering whats the best way I can transfer to an equivalent fund (if one exists) on a different platform? I'm aware that…
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…
Barclays Smart Investor regular investment unwanted tampering
Been with Barclays Smart Investor since Aug 2024. Have regular orders for three ETFs. Two of the orders have been processed every month without fail. The third order seems to get periodically "fiddled with" - instead of buying "iShares UKEqIndxUK H A" it's changed to "iShares UKEqIndxUK D A". No notification. The first I…
Money Market Funds and tax return
Probably the wrong forum. I'm sure you'll let me know! I bought some Royal London Short Term Money Market (Class Y) Accumulation Fund (RLCBTY) last April for £153,600 and sold it in December for £158,880 (so a "gain" of £5,280). Do I declare that as a capital gain? When I look at my Tax Certificate from iWeb (who don't…
Property Investing vs ISA
Hello. I’m looking for some advice I have around £100k in a stocks and shares ISA, invested in a fund with an average return of 7%, and I have around £50k in other savings. I have no debt. I’ve been offered the opportunity to buy an investment property from a family member for £120k, which is below market value. It’s…
Transfer Share Certs to IWeb
I want to xfer my LLOYDS BANKING GROUP PLC share certs to IWeb & then sell. I have IWEB & CREST xfer forms in front of me. Certs are for: LLOYDS TSB GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 25p LLOYDS BANKING GROUP PLC ord 10p Am I correct in thinking these will need 3 L entries on IWeb xfer form & 3 separate CREST…
Kent Reliance - Verification of Identity
Tried to open an easy access savings account. KR asked for a bank statement to verify my ID. Posted first class on Sat - an idea how long they take to do this? Haven't heard anything. Will they email?
Premium Bonds Prizes not paid (yet?)
Hi All, I recently maxed out on premium bonds. My first eligible draw was June, and I was lucky enough to win 3 prizes. It has been setup to pay prizes directly into my current account, however we're now on the 8th working day of the week, and I've not received anything. Is this normal? Their website states payments should…
Why do gilts mature at the weekend?
TG25 matures on 7 June, a Saturday. The corporate action notice issued by my platform reads "The 0.625% Treasury Gilt 2025 will be repaid at par on its maturity date of 9th June 2025." That presumably means I lose two days' interest. So why do gilts mature at the weekend... or have I answered my own question: so the…
Help to buy isa/Lisa
Hello all, I currently hold both of the above and i know my h2b will end in 2030 i'm not so sure if the lisa does? But my main question is are they even worth it now? What happens if i don't find a house by 2030 or even want to but one by then? i know if i redraw the money i take a 25% lose of what i've currently got but…
Pension Provider investing 30% of my Pension in a Fund performing worse than -20% for 3 1/2 years!!!
I don’t wish to name the TOP-10 UK Pension Provider just yet, (I will do if I do not have a satisfactory outcome to my complaint). I will just identify them for now as “[Pension-Co]” below. If Martin Lewis wants the actual name of this provider, I will provide it to him.…
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…
Finding an honest, reputable IFA
Hi All, I'm looking for some advice on my mortgages(Residential & BTL) and investments(Savings/ISA's/Shares etc) My pension was with SJP but after being with them a good few years found I would have been better leaving in my workplace pension. They also only offered advice(Bad at that!) on my pensions, not on any oter…
YBS Transfer in
First time to use YBS, (Yorkshire Building Society) it seems their online website is struggling and keeps going into a loop and even though I have received an email to say I can transfer in (now), the it just goes into a loop and when I called their phone support, and explained the problem I get told: have you tried our…
Help planning future investments - mortgage or invest or property.
hi I know this is a privileged position to be in, however, I want to make sure I'm making sensible choices. I know none of this is financial advice, but I want to see if I am missing something. I have an income of that puts me in the highest tax bracket. I have completely maxed out any pension contributions. I have filled…
Faster Payment odd difference?
My Skipton Member Bonus Saver Matured today and paid interest of £155.65 on £3000 deposited. As the interest rate drops at maturity I transferred the £3155.65 to my Santander Lite Account to be transferred elsewhere later in the day, and that successfully closed the Skipton account. Just over an hour later, I received a…
Where to invest Proceeds of house for 6 months to a year
This has probably been asked before, so apologies if I’m repeating the same post. My wife and I currently have our house for sale, and it looks like we won’t have another one to move to in the near future, so we will probably rent until a suitable house comes onto the Market. As a result, we will have the proceeds of the…
UK resident : Vanguard USA dropped a bombshell
cross posting here for visibility and any other opinions. If you have an account in bogleheads please respond there. Short summary : have non reporting funds in Vanguard USA from the old days. They are pretty much kicking me out now since I am non resident alien. Being forced to sell means $160,000 capital gains tax…
Oxbury - the Farmers bank
I understand Oxbury bank may offer its members special rates on savings accounts. It's just that I don't want to have to become a member to find out wether those preferential rates are worth my while. Any members willing to share what Oxbury have on offer ???

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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