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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 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 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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What are people doing right now?
Hi all, Quick sense check. Currently have £8,500 uninvested cash in a JISA for my 3 year old - so minimum of 15 years until it would be accessed. The remainder of the JISA has been invested in a combination of LS100 and an Invesco all world tracker. Should I just ignore the noise and get the £8500 into the funds now? I'm…
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Cahoot Sunny Day Saver Question
Hi, Re Cahoot Sunny Day Saver I might be over thinking but, the wording on the website doesn't seem very clear to me. £1 - £3,000 pays 5% interest £3000+ pays no interest I'm guessing that this means that I will get 5% interest on the £3,000 but no interest on the bit that is over £3,000 (Not NO interest on everything…
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Where to keep funds in short term
I would like to know what to do with my S&S ISA funds while I think about how to reinvested them for up to a month? As not earning much interests in ii I was going to put it in a Cash ISA and transferring back into ii. But I have 3 transfer into ii and 3+ weeks have passed and the transfer out providers have said they have…
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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…
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Fixed saving rates / bonds
Hello, I'm new to this forum so apolgies if this has been dealt with before. The best fixed savings rates I can find seem to be around 4.5% per annum - that includes MSE. The only alternative seems to be something like Hargreaves London who are offering 6% on a 2 year bond. Can anyone help me understand how HL are able to…
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Spreading investments between platforms
I have what is to me a significant proportion of investments on a single platform all invested in ETF's to take advantage of capped platform fees (excluding the JISA which is in an OEIC fund). SIPP is 100% equities (same for work pension and LISA) and ISA is around 75/25 equities/bonds. I held SGLN for a year and a bit…
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Tesco Internet Savings Account
I opened A Tesco Internet Savings Account in June 2025. I deposited £43,000, interest rate of 4.01% for the first year. My balance at 31.03.26 is £43,384. How is this interst being calculated?
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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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ARM on track to be the UKs most valuable company
Currently position 3, it's so good to finally see a technology company in the top 10. It isn't a coincidence that the only real tech company we have is going to become number 1 by market cap. Technology is valuable, as a country we really need to create a job market that favours technology. Like the US implemented the…
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What counts as income for savings allowance calculation?
Hi all - I searched but couldn't find a clear answer here on the forum (or in one of the articles or on HMRC site). I'm trying to figure out what counts towards your income in the year in terms of figuring out what the savings interest allowance is. E.g. £50,000 PAYE earnings before tax but after pension contributions £…
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MSE News: Child Trust Fund letters sent to thousands of young people missing £2,200 on average
Thousands of 21-year-olds are set to receive a letter from the Government reminding them they've got a forgotten Child Trust Fund, worth £2,200 on average. Inevitably this means scammers will likely take advantage, so here's how to make sure your letter is genuine and how to track down lost savings yourself for free… Read…
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Stock markets are too high and set to fall?
Unusual intervention/comment - why?
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Future Planning
Would an Cash Isa be better than opening up a Premium Bond with 20k under the current climate?
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Calculating Capital Gains liability in advance of selling
I've had a Moneyfarm General Investment Account for several years. I would now like to sell some assets, but do not want to go over my annual Capital Gains allowance. I have tried to make sense of the HMRC HS284 guidance, but it is not easy reading! Over the years Moneyfarm have made many acquisitions and disposals, but…
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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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2% tax increase in savings question.
Can somebody explain this to me please?…. "Chancellor Rachel Reeves is set to raise income tax on savings interest by two percentage points next April" At present I receive savings interest that is taxed by a reduction in my personal allowance to take account of the amount of that interest less, of course, once the £1000…
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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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Single premium investment bond - tax mitigation
I have a single premium investment bond that I bought around 25 years ago. It's worth around 4 times what I put into it, and I withdrew (tax free) around a third of the original premium. If I cash it in now or when I die, there's income tax to pay on the taxable gain = the gain in value plus the one third I already took…
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How to transfer a Hargeaves Lansdown SIPP to a Interactive Investor one?
Hi, Does anyone know I would go about doing this, is it straightforward and how long does it take? Thankyou, Warmest Wishes,
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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