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"The Save £12k in 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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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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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts. I am happy for people to use this thread to discuss the regular savings accounts on this list. It…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top EA discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10 available to open & manage online Easy Access accounts, with links. The purpose of this thread is to ONLY…
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When will any changes in Capital Gains Tax take effect?
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ISA which I can fund over next 4 months?
Hello, I would like to open an instant access ISA, and transfer a maturing ISAs from previous years in November, and introduce new funds which mature in Dec and Jan. I’m worried that if I choose one like the Principality one, it will close before the other funds are available - wondered if anyone had any thoughts? I’m used…
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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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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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Isa with HL
Hello, I have an s&s ISA with HL that ive had for a few years now. Currently have £40k sat in it. is it worth moving to another provider for the cheaper fees? I also have 3 junior ISAs with HL. Not sure if it’s worth moving these or not? I have seen that 212 is the cheapest but I know nothing about them. Are they “safe”? I…
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Nationwide BS Flex Regular Saver Issue 3 - 6.50% gross
I couldn't find anything already mentioning this (but there's a lot of threads/posts, so if this needs moving mods feel free!) If you're an existing customer, the Regular Saver Issue 3 is available with Nationwide, offering 6.50% AER for a year, with 3 penalty free withdrawals, max deposit £200 per month…
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How do I know if an IFA is good?
Hi my query has 2 parts - I am looking to move a pension from Prudential (1) I think I am looking for the equivalent of Tripadvisor for Financial Advisors - does this exist? I am looking for an IFA but need to know if I can trust them and the advise they give is good. I have had some recommendations from an FA that…
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Why this strange daily movement in UK smallcap unit trust prices
Is anyone familiar with the pricing of smallcap unit trusts and how they relate to their underlying market? Over the past month there's been some minor divergence between these funds and the smallcap index, however today they have moved particularly violently upwards ~3% without any substantial movement in the underlying…
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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Flexible ISA and Partial Transfer
Hello I have a flexible cash ISA with Chip Bank and have deposited £10k this year but recently withdrew £5k to cover a large expense. As I understand it, I can replace the £5k funds into Chip without affecting my overall £20K allowance. I have also recently opened a flexible Trading 212 cash ISA with a better interest rate…
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Bonds v bond funds
Over the years I've picked up little bits of information about bonds, but they still remain a mystery to me. This now seems to be a problem as the advice is to transition from stocks to bonds as you get older, and I wouldn't know where to start in buying bonds. Buying bond funds seems to be a way of getting around this,…
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Tax-free sum ... hedging my bets
I have quite a substantial sum in my SIPP. I also have "2012 Protection" which means that as things stand today I could take out up to £450,000 tax free. Concerned as I am about Ms Reeves' intentions in next week's budget I have applied to take the full tax-free sum that I can now. Obviously if she doesn't lower or abolish…
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Tax on interest savings - I haven't had a letter from HMRC
I am payed via PAYE and will need to pay a little bit of tax on interest savings for the 2023/24 tax year. I was under the impression that I would get a letter from HMRC with the amount owed and a taxcode change, but I haven't received anything. I need to fill in a self assessment for some freelance work anyway, so should…
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Bass Plc- Old Shares
Hi, just wondering if anyone had any advice. My grandfather passed away recently and left an assortment of Bass Brewery Stock Certificates. I know the company went through the following changes; In 2000, Bass changed its name to Six Continents Six Continents (6C) was then split into two companies in 2003 - InterContinental…
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Savings or investment for income over 4 years?
Ideally I'd like to make some income over next 4 years until baby starts school to help with only having one income. The options seem to be: 1. Fixed rate savings at about 4.2% 4% in ISA 2. Mmf funds but Sonia rate expected to drop to 3.5% next year. I only checked one website on this 3. Income funds at about 5% yield but…
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Wedding abroad - Euros Savings account?
Hey I’m getting married in Italy next year so all the services are going to
have to be paid in euros. I wanted to know if there are any euro saving
accounts? If so do they offer any interest? or am i better keeping my money in pounds for now?
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Christmas Savings Accounts
Painful as it is to start thinking about next Christmas, I had a Yorkshire Bank Xmas Saver in 2023 and would like to open another this year. However, I see no sign of it today on the YBS website. Any other suggestions? Does not seem to be much on offer and I would prefer to avoid Park Xmas as they give you a voucher.
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Moneybox Cash ISA - 5.15%
Hello Forumites I watched the MSE money show this week & I currently have a maxed-out Cash ISA (20K) with Moneybox receiving 5.19% till 11-Feb-2025 with a 0.94% bonus (then 4.25% thereafter; 20K paid in during Apr-2023) They are currently offering 5.15% on their cash ISA (including a bonus of 0.45%) which is higher than…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
20K discussions
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Most recent: Lifetime ISA for daughter & will by amandabroadhead
31 October at 8:51PM