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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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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…
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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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Scottish Widows Investing ?
Total newbie to investing here … I have a Scottish Widows Pension and noticed you can also have an investment account with them. I fancy having a go ! Maybe start with 500 quid to see how it goes with perhaps a coupe of K to ultimately play with. If it goes well maybe invest a bit more. They appear to have packages already…
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Is an IFA really worth it?
Hi All ! Yes I know that this is an old question - I have been reading a lot - but unfortunately haven't been able to make a decision, yet! Take this scenario * No debts at all * Not working * 59yo * Cash savings * A couple of pensions - both DC I have been asking IFAs what they would charge for simple high level advice,…
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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…
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BGEO/Lion Finance
I have invested into Bank of Georgia/Lion Finance - ticker BGEO. It has done extremely well of late, but information on the stock seems hard to come by. Anyone know where to look.....
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Cashback for opening bank or investment accounts, including Cahoot
The cashback website TopCashback is giving you £25 for opening the Cahoot Simple Saver, among other banking and investment offers. Assuming there's anyone on the boards who doesn't already have one...
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CityAm newspaper now partnered with Investec
CityAm newspaper now partnered with Investec, proudly announced on there front-page; wonder what this can mean for bias?
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Nationwide 5.5% (FIXED) Member Bond
18 Month Fixed Rate of 5.5% on upto £10,000 Online: https://www.nationwide.co.uk/savings/member-exclusive-online-bond/ In Branch: https://www.nationwide.co.uk/savings/member-exclusive-branch-bond/
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Savings tax interest - confused!
Hi all, I’ve had a letter from HMRC today letting me know I didn’t pay enough tax in the last financial year due to earning interest on savings. Happy to pay it but am struggling to understand their calculation and hoping someone here is more clever than me and can understand it! I am a higher rate tax payer, earned £1066…
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Natwest & RBS regular savers - any other similar?
I have a Natwest regular saver which I've spent over 3 years building to the £5000 limit. I take the interest monthly to keep it at the £5000 and getting the 5.5% on that. I'm halfway through the same with the RBS equivalent. Does anyone know of any similar accounts with other banks? Most regular savers mature after 12…
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Portfolio Risk Measurement
I have finalized my asset line up for next year so now my attention has turned to ways to
measure my portfolio for risk. A number of posters recently have mentioned a
desire to reduce risk but none of them have attempted to quantify what risk
levels currently exist in their portfolio’s. Simply, if you can’t quantify…
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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…
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Investing basics
Can someone explain the benefit of the population investing for a country? If I understand correctly someone buying stock on Trade212 does not give the company any money. It does not somehow help a company grow more since any of the money people "invest" does not go to them. There are a lot of companies with a stock price…
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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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Lifetime ISA + £460k shared ownership using NPV method – anyone successfully done this?
Hi all, I’m a first-time buyer trying to use a Lifetime ISA for a shared ownership purchase and getting completely different answers from providers, so I’m hoping someone here has real-world experience. My situation: * New-build shared ownership house in Cambridgeshire * Full open-market value: £460,000 * I’m buying a 25%…
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Coventry First Home Regular Saver 'maturing'
I have had this account for almost 3 years and its 'maturing' mid December 2025. Received email from Coventry advising me of this and saying details of presumably options had been sent by letter. Have not received this letter yet to which they refer to despite being sent out 20th November. Anyone else received the…
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Active ETF's?
I have encountered some articles online recently about Active ETFs (eg https://www.hl.co.uk/news/active-etfs-surpass-passive-for-the-first-time-what-are-they-and-whats-driving-this-shift ). What are the advantages of these to the ordinary investor? They appear to be more expensive than passive ETFs, although they trade in…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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Tax code change due to interest on my savings
How does a tax code K171X which is £1,710 needs to be added to your pay or pension so the extra tax can be collected work? I knew that from tax year 24/25 and 25/26 I would go over the £1000 tax free threshold. Would this underpayment be from both those tax years put together? As although I went over by £47 on my two bond…
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Being nosey... How many Regular Saver accounts do you have?
For ease of finding the RS League Table that Bobblehat compiles, I've added it to this 1st post. The updates will appear here periodically rather than embedded in the thread and a post will be made to the latest page to announce an update. Please send your data as usual and it will appear in the next update when it's…
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Non Resident Shares Sale - Broker
I have some Aviva shares, registered at Sharecenter and want to sell them, but I'm not UK resident hence Sharecenter wont act for me. I have had no luck trying to identify a broker for this, does anyone know of a broker that will transact on behalf of non-residents?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
