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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 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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Nationwide Monthly Interest
Anyone been having interest problems on their Flex Direct account?, most recently had a 1p interest added and a 1p correction of interest added, previously only had a 1p correction of interest added. Not sure why this happens but 1 of the most recent (probably after I transferred the 2p out) managed to trigger a you are…
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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 and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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MoneyBox ISA Rate - does it change once new financial year starts?
Hi I have a money box account that I opened in jan 2024. it was opened with the interest set at 5.1. now that the new financial year has started. The £20k i have in there will this be at the same rate or does it drop to a different rate, I am trying to navigate the money box app, but cannot seem to find this information.…
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& me robo-investing bonus
I saw the & me sign-up bonus in the MSE email tonight - https://www.moneysavingexpert.com/savings/robo-funds/#deals Never heard of them before but £100 bonus for £500 invested for a year sounds like a reasonable way to take a punt and come out on top, but on clicking the provider link the site itself currently lists the…
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The Top Easy Access Savings Discussion Area
This thread is specifically to discuss the Easy Access Savings article Which includes the new free Savings Calculator tool. To discuss or ask a question about this article: click reply
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How many days interest will I lose?
I have an online bonus saver with HSBC. I am told that I will lose a months worth of interest if I make a withdrawal. I want to make a withdrawal so the account balance becomes zero and then next month (when a 1 year fixed rate saver matures) I want to put the money back. Here are the steps: 1) Monthly interest applied as…
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How to import stock and fund prices in excel
Doesn any one know how to import shares and funds data in excel (either automatically or via manual refresh? I am maintaining an excel and wanted to know the latest prices and hence valuation of invesetments.Tried searching online and found a clunky way to scrape FT.com website, but that doesn't look promising.…
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Yearly interest if an easy access account is moved or defunded within a year?
In the savings money merry go round if I move my money from an easy access account that only pays interest yearly to another easy access account with another provider following a reduction in interest rates, will I lose all the interest or will it be paid pro-rata e.g. if I move my money after 6 months will I get 6 months…
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NatWest Shares?
Just been on to my Barclays app to pay someone and its saying that I might be able to buy NatWest shares soon, sign up for email updates, can't see any other info, anyone know anything else?. Also why is Barclays telling me about NatWest shares, so confused.🤔
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MSCI WORLD EX USA UCITS ETF
As many are probs aware, although the S&P500 & US in general has strongly outperformed the rest of the world since 2009, that was not always the case. As mentioned in a recent Pensioncraft video, the world excluding US outperformed the US from 1969-1989 and again from 2002-2008. So over the last 55 years it's far from the…
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What discount broker do you use?
I am with Interactive Brokers - well trusted with a good track record. Fees are 0.05% of transaction fee for UK traded, or if buying from Amsterdam exchange it's still 0.05% but maxed at €29 per trade. Market data subscription costs £5 - £7 per month for a basic package that will work for most investors, if you want one. I…
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Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see http://forums.moneysavingexpert.com/showthread.php?t=5719517 Monthly updates on portfolio values should be posted here. As we are now into the…
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National Grid Rights Issue
Hi, National Grid announced a 7 for 24 rights issue at £6.45 per new share. Among the options are cashless take up "tail-swallowing" or selling of the rights. The price for the rights depends on the market. How efficient are these kinds of markets? Am I naive to expect close to £2.60 (Current share price - £6.45) per new…
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SIPP - regular contributions and keeping costs down
I’m looking at opening a SIPP to supplement my employer contribution (TPS). The SIPP would probably be used to facilitate early retirement in some shape or form. Im looking at small but regular contributions - say £125 per month. I’ve got at least another 25 years of contributions to make to this SIPP. I can afford to take…
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Hampshire Trust Bank (HTB) new portal
Seems they upgraded their online portal over the weekend and now need all customers to re-register. Pain in the !!!!!! and also doesn't feel secure registering all my details again. How have others found this process?
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Regular saving. : Maximum interest with limited funds.
Hello. I opened a RS yesterday with the max amount allowed my question is if l fund the next few months with the maximum allowance, say 4-5 months then reduce to say half will l get the best interest l can?
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Tax point on savings interest – contradictions and more thoughts
Further to
my previous thread on this subject, I wonder if anyone else can throw any more
light. Here’s a summary so far. Let’s take
as an example a 3 year fixed rate bond with annual interest added to the account,
where the funds are not normally accessible until maturity. We know that : SAIM
guidance says that interest…
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£250k to invest
Hi Just looking for some ideas / views on what to do with £250k I have tried to give as much information as possible :smile: I'm 52 with a 9 year old Have a family home with no mortgage and no debts, we may look to move in 18 months Have £30k in a fixed 1 year bond at 5% Have £10k in accessible money Just bought new car…
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scam phone and email from USA
Over the last couple of days Ive recieved phone calls and emails from the USA regarding selling shares. Supposedly from Scottish power/Iberdrola It started out as most scams being believable right up until the second phone call asking for pass port and bank details. See below. Be careful people. "Please see attached…
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Will this approach work for avoiding II FX fees?
I've a collection of US-based shares that have been building up which I've totally overlooked for CGT. I'm trying to gradually reduce this CGT liability by selling off, and reinvesting cash into ISA to make the most of the 20k allowance. II was fine for ISA and GIA accounts until I realised the FX fees. My plan would be…