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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 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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Late payment of dividends from Hargreaves Lansdown
Hi everyone, I own the same Vanguard ETF VWRL Distribution with three different brokers - iWeb, Fidelity and Hargreaves Lansdown. I've noticed that Hargreaves Lansdown is always the last to credit my account with these dividends - this time (September) it seems it will happen on Monday 30 (in comparison, iWeb was the first…
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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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Advice needed - Is a GIA the best option after ISA is utilised?
I have utilised an SS ISA fully for this year and then also opened a GIA and started investing in there, it has 100k, I've got a work pension that I contribute the maximum to and get an employer match. I plan each year to move money out of the GIA into the SS ISA and hopefully minimise any CGT or dividend interest. I've…
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Do ETF dividend yields work out as expected e.g. for FTSE100?
I was wondering if you own an etf in the ftse100 or sp500 and the companies from there give dividends, are you getting exactly the amounts you would if you owned each company individually e.g. 100 individual shares of the ftse 100 would yield the same as 100 shares in the ftse 100 apart from any charges? I thought about…
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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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First direct monthly saver
I applied to open a first direct monthly saver on 28/11/24 and it was opened on 29/11/24. Now that it's the first can I top up the account or do I need to wait until the end of the month please?
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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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What % are folk investing in the UK?
I've realised I've omitted UK equities from my main pension fund selection. Given US prices at present this is a happy mistake, but clearly does outline the pitfalls of DIY investing. Currently I have 1 pension invested here https://www.trustnet.com/factsheets/P/r75k/sw-ssga-international-equity-index-pn-cs8/ I need to put…
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setting up fixed term savings accounts is a problem ... help to fix it needed urgently
I have recently been trying to set up a few fixed term savings accounts but have been declined by all of the banks i apply for which is peculiar as i have been successful in the past, the only difference being that some previous applications were postal rather than online. I popped along to my bank to see what the issue…
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VANQUIS 60 day notice account
I recently opened this account. I know the minimum balance for this account is £1000 but wanted to send a test payment first before sending this amount. I sent £1 as a test payment but it is still not showing in my account balance. Will it not show until I've reached the £1000 minimum balance.? What were other peoples…
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Self Assessment Calculation & HMRC contact as POA
I completed a SA form in July of this year for the tax year 2023/24 as a POA for my mother-in-law as her savings interest exceeded £10,000. I received a calculation from HMRC yesterday for the tax year 23/24 confirming my figures except the interest I included on the SA form is not in the calculation. The calculation shows…
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Need Help On Selling Canadian shares
I am a lifelong UK resident & a shareholder in
Great-West Lifeco having acquired my shares when they took over the UK life
assurance business of Canada Life (whose shares I had post-demutualisation). The shares are in certificated form and are listed on the Toronto stock exchange (TSX). I wish to sell my shares but I can…
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Re-balance into Equities
There's no right answer to this, except in hindsight ...! I took some profits ahead of the budget, and sold an equity managed fund that I'd had for many years, and had quintupled my investment. (In fact, the CGT rise was not as high as expected, but it was still a good time). So I am now sitting on a| sizeable pile of…
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Help 2 Save 2nd bonus will not be paid
Has anyone else had this problem? 1st payment was fine, paid in max amount £50 each month, 2nd bonus due and it says "To get a final bonus, you had to pay in enough money so your highest balance between 1 December 2022 and 30 November 2024 was more than £2400. In the time left you won’t be able to grow your savings so they…
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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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Sidekick Money Ltd - Safe to use?
As per the 2 x top savings threads in this forum, Sidekick Money Ltd are offering a 4.89% easy access savings account provided by GB Bank (part of this is % a bonus for 12 months)... https://www.sidekickmoney.com/savings Does anyone else feel a bit nervous about using Sidekick Money? I think it's just because I've never…
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Equiniti Shareview
I have a number of certificated shares recorded with Equiniti Shareview. I want to convert these to digital, and then sell out some of the holdings. Can I use any trading service, and just sign up and send them my certificates and forms, or do I need to go only through Equiniti Shareview? EQ charge 1% to trade so the fees…
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Sent money to NS&I as Bill Payment instead of Funds Transfer how do I get it back!
Hi problem solved ! My account shows that the Bill payments were sent back ! TRANSACTION DETAILS Status SETTLED Transaction type Unpaid - NS+I DIRECT SAVER UNP Payment Returned: Sort Code / Account N umber Unknown I will delete the original post shortly as no need for it to remain!
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Declare crypto on Self-Assessment tax return?
Since the 2020/2021 tax year I have been filing Self-Assessment tax returns as I rent out rooms in my house and make more than the £7,500 Rent-a-Room Scheme allowance. However, I have never thought to declare my crypto on it. I am wondering if I need to or should have been? Below is the money I have put in and taken out of…
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How do I calculate tax owed for Bitcoin investment.
Hi, I wonder if someone can help me here? I bought a coupel of Bitcoin in 2014. I sold them for £48,000 in May 2022. I then used the £48,000 to buy back in June 2022 when I had 2.9 Bitcoin. I then sold again later that month for a loss at £44,000. I then bought back in July 2022 using the £44,000 to buy 2.4 Bitcoin. It had…
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