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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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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…
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HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
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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…
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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…
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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…
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Royal Mint Issues?
Is anyone else having issues with Royal Mint's website? Have (had?) some investments there in digital gold. Couldn't log on for weeks, now I'm in and my digital gold all seems to have vanished… As has the function to buy any more. As have the records of a few small purchases I made as gifts over the last 10 years. And the…
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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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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…
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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Easy Saver - how long Chase rate bonus lasts
On MSE it says that the bonus for a new account at Chase lasts 1 year - making the rate 4.5% AER. On Chase site it says: Get 4.5% AER on your savings That's a 2.25% AER boost, fixed for 12 months on top of our standard saver variable rate. Offer may be withdrawn at any time. Available to new customers joining from 29…
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S&S ISA - uninvested cash interest rates, why not shown on MSE frontpages?
Pardon my silliness and this could be a very obvious and silly questions but i couldn't find the answer. I've seen lots of ads online where you can open S&S account but you can hold uninvested money in there and earn interest (i think sometimes the uninvested interest is higher than the Cash ISA savings account for a bit).…
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123 Account to which easy access?
I briefly mentioned this in another thread. Currently have 28k in a 123 account. Fully aware that 8k is being wasted with no interest, and what with the monthly fee rising to £5 it's time to get it sorted. I've looked into various options and have decided that Chase is probably the best way to go (Initially for the first…
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Where to put £10k
Hi I have maxed out my ISAs and have £10k left to spare. It's in a savings account earning 4.2% interest. Is there anything I can do with it to boost it more? I'm aware I can earn £1000 interest a year without paying tax so I was wondering if there was a better way? I have no idea about stocks and shares though. Thanks
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My S&S diary - investing from February 2026
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…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
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Proceeds from house sale
Hi all, as a 60 something couple who are just weeks away from selling our current home, and are in the fortunate position of being able to live temporarily with family whilst we look for our perfect downsized property, we will have around £200k to invest in the short term. We have read about splitting anything above £120k…
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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
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Moving to Aus, advice needed please.
Thanks for your indulgence here, please move to another forum if I've mucked up. My situation is this; Next month I will be moving to Australia for a few years, (no fixed period, but probably 5 years or so.) In the UK I will have my state pension, and the rental on our house, paid into my (Lloyds) bank account. I will not…
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Gilt Ladder Builder site question
Looking at the https://lategenxer.streamlit.app/Gilt_Ladder for ILGs, it seems that some of the gilts (e.g. T33 and T28) are greyed out. Any idea what this means? There seems to be trades ongoing each day. I wish to purchase some T33, but not sure if they are actually available or not?
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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…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
