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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: BeverleyBuckinghamshireChorleyDarlingtonDudleyEarl…
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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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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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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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Financial Plans
Hi, I will be turning 18 soon enough and I want some specific advice over my current plan. I am not an expert and still learning the ropes do any help is appreciated. So far I will convert my bank account, redeem my child trust fund into it and transfer other savings my parents have managed into it. Open bank savings…
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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Any advice on which investment app to choose?
Hello all Over the last few months I’ve been doing lots of reading about investing to try and get a basic understanding of things. I’m now at a point where I’m about to open a Stocks & Shares ISA and start investing some money. Having looked at the websites of various investment apps I’ve narrowed it down to Vanguard,…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Marriage Allowance and Starter Rate
I have applied for marriage allowance for the first time this year, as I retired from work a few months ago and have only two very small pensions. For this current tax year my work / pension income will be around £10,000. I do however have savings interest in excess of £1000 and have benefitted from the "starter rate" in…
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Cahoot ₩ can be logged in to
into? Is this a routine nightly thing like Principality BS? It's the same issue on both Windows and Android in that the message appears at the point you request the code to be sent to your phone How do you do a strike-through on an edit? (using Android)
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Large-ish transactions in Gilts / ILGs
I'm likely to be buying and selling some Gilts/ILGs soon. The amounts will be close to £100K type of thing. The platforms are Iweb & AJ Bell Is there likely to be much benefit pricewise in making as big a transaction as possible? As you can't see the settlement price on these I'm tempted to break them down into a few…
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Bad experiences with Cynergy bank app
This is just a heads-up to anyone considering opening a Cynergy bank account (currently featured in the top Savings Accounts listings), to say you might want to check other users' experiences before doing so. In my case it ended in a frustrating, bad experience and me abandoning my newly-created account in favour of a…
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Royal London STMMF NAV/Price?
Hi…. Anyone noticed that the Royal London STMMF hasn't updated it NAV/price since 6 May? It is not something I have noticed previously, so was curious if this is something that just happens periodically or is unusual?
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Transfer Sipp from HL to Fidelity
I am thinking of transferring my SIPP from HL to Fidelity and take advantage of their cashback offer. I am assuming there will not be any exit fee to pay HL? Fidelity states that the cashback will be paid 90 days after 05.04.2026, so I can leave after the cashback has been paid should I wish to?
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
