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What age to move from investments to cash savings
My understanding is that investments in stocks and shares are for the long term due to short term ups and downs but over time will give a better return. Whereas savings have a lower return but you can't loose your money. At what age does long term investments become less prudent in relation to life expectancy and the need…
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Problems selling entire UK gilt holding on II
I am trying to sell my entire holding of a UK Gilt, but the platform is not allowing me to. For example, I hold 38633 shares of TN28 in my trading account. I want to sell my entire holding, but when I try to sell a quantity of 38633 I am told "exceeds holdings of 38633". It will accept a sale of 38632, however. How can I…
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Cyber security, savings accounts and banks
I had a query about an ISA with a UK BS which I posted via secure message. I received a call from them and they wanted me to prove who I was by revealing personal information and password details. Although I'm fairly confident the call is genuine is there no UK standard for banks and BS to prove who they are when they…
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Zopa issues.
Has anyone had trouble with Zopa today? I just updated to the latest app and now I can't transfer money out.
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Santander Edge Saver ending.
One of my Santander Edge savers is ending. My 6% interest will drop to 3.5%. What's the process ? Wait until it matures then close it and open a new 6% one ?
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Check Santander Edge Saver 12 month bonus has come to an end
Many will have opened a Santander Edge Saver (SES) just over 12 months ago @7%, 2.5% of which was a 12 month bonus. The 12 months is up which means your bonus will end and your interest will drop to 4.5%.The available SES has an interest rate of 6% including a 12 month bonus of 1.5%.To achieve another 12 months of 1.5%…
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Funding Granddaughter School Fees
It was over a year ago that I posted a question regarding the best way to fund future school fees for my 6 year old granddaughter. I received some excellent replies at that time. If it all goes to plan she would start funded education in September 2031. I did not go down the investment track as it was felt the timescales…
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NS&I Index-Linked certificates - changing terms?
Sorry for silly question, but is there any downsides to changing the term from 5 years down to 3 years at maturity? I see the both pay CPI + 0.01% so the reward is the same, so earnings should be comparable year on year? Or have I missed something? I assume a 3 year term is probably a better bet as not locked in? Also,…
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How to request SA tax return
Can someone advise how I can request to go on SA. For y/e 2026 HMRC have overtaxed my pension (via emergency tax), I also need to inform them of a small capital gain (They don't know about this), and confirm interest received. (They overestimated/got this wrong). Logging onto gateway doesn't help (directs me to form SA55…
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Can I pay tax on interest direct to HMRC?
I inherited some money after my Mum passed away this year and after maxing out ISA and premium bonds etc I have still earned around £5000 in interest (I'm very fortunate). I work 32 hrs a week so the tax will be taken through my tax code and from my wages. I would much rather just pay the tax owed direct to HMRC and get it…
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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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MSE News: Premium Bonds prize rate to rise to 3.8%
https://www.moneysavingexpert.com/news/2026/05/premium-bonds-prize-rate-rise-july/
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Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshire Chorley Darlington Dudley…
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Accumulating vs dividend-paying ETF
I've recently signed up for Interactive Brokers, and am trying to figure out a sensible default for the majority of my income. I basically want a cheap ETF that tracks the global economy, and one of the best options I've found is VT, a dividend-paying ETF for the Vanguard Total World Stock ETF, with an 'expense ratio' of…
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What to do when a RS matures
Hi, complete newbie here so apologies in advance if this is a dumb question. I have now opened 3 regular savers. One is with Principality and only lasts 6 months. What do people tend to do with this one at the end of the 6 months? Is there some sort of special process for moving to a new 6 month RS with them? Is there…
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Savings v investments - what’s a good proportion of each?
Obviously this will vary hugely according to age, situation, plans, health etc. But all things being equal, what do you regard as a healthy proportion of your assets being held in savings versus investments. For discussion’s sake, let’s assume no debts or mortgage, and an emergency fund in place already. In my own case, I…
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Trading 212 FX fee of 0.15 on LSE GBP
Hi all,Trading 212 has a FX fee of 0.15 on LSE GBP, heard on some forum thread before that if buying on LSE London Stock exchange in the Great British Pound that they were no FX fees Is it typical for FX fees on LSE GBP tranactions on the new challenger platforms/apps?
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18 year old saving/buying property
Edit... I think my post has been misread around my daughter buying somewhere. That's a maybe but if it DOES happen what I want to understand is the best places for her to put her savings in that she MIGHT want to access before a year is up! Thanks Good morning all. My DD is 18 in June, she will be able to access approx…
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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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Bond Fund
I'm considering the Mann Global Investment Grade Bond fund, managed by the highly regarded Jonathan Golam. It's a USD 5.6 bill fund containing 340 bonds that are a mix of government and corporates, the average duration is 5.6, the SD is 4.4 and the MS risk level is 33 - the yield to maturity is 6.7. These are short and…
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