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Savings & investments

Discuss premium bonds, regular savings accounts, autosaving apps, shares and much more.

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
"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…
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 >
What to invest in next?
I have paid off my mortgage, I am currently putting 45% of my wage into a pension, - I have a Vanguard S&S Lifestrategy ISA with most of my savings in. I have some more money to invest, - shall I just pour it into the same ISA above, or maybe invest in S&P 500, or a different fund? I appreciate the Lifestrategy is a…
HSBC 7% Regular Saver
For anyone not following the highly entertaining Regular Saver thread (I know, I need to get out more...) HSBC have just upped their Regular Saver rate to 7% on £250 Enjoy!
Personal Injusry Trust
There is a payment comming for a personal injusry claim and our solicitor has advised we need to find a trust to put it in. We are really struggling to find anywhere that is opening new accounts at the moment. Has anyone opened one recently or know of anyone taking new clients. Currently seems only Metro is an options.
Chase asking questions - anyone else?
My husband and I have both had our Chase accounts for nearly two years. We transfer money in every month from our main bank account and have savings with them. He has had questions to answer on the app over the last week about his income and how he uses his Chase account, I haven’t had this. I wondered if they are coming…
ISA transfer, which tax year?
Hi, I am a first time investor, looking to transfer money from a cash ISA to a Vanguard 80/20 stocks and shares ISA. I went part way through setting this up and one of the questions is: Which tax year are you transferring? Current tax year, balance from 6th April. Or Previous tax year balance of lSA before 6 April. I had a…
£24k to invest not needed for a few years.
My wife has £24 in savings that she wants to invest to use in a few years time. She has no job, so my initial thought would be to stick £2880 PA into a pension, as she'll get £720 tax relief added, and when she draws that out she won't pay tax as it'll be below the £12kish limit when she does need it. In terms of the other…
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…
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…
Cynergy Bank - IT Issues. Cant access their website. Is it just me?
Tried to access their website to Login. NO success, no matter what browser, what desktop pc (I have more than one), what operating system. Yet I can access all other websites from every computer. Called customer services and their response was basically "Its your problem, we're up and running, clear your cashe, put…
CGT Share Pool Calculations over time including sales and dividend reinvestment
I am lucky enough to have a pool of employer shares as part of remuneration package. When shares are awarded the relevant amount is sold by my employer to meet the income tax due and then the remaining shares are placed in a broker account operated by me from which I can sell the shares. Dividends are reinvested into this…
UK Savings Week 2024
UK Savings Week 2024 it seems will run from 9 – 15 September. Does anybody know which of the Building Societies launch special accounts for that week? I know Beehive Money did last year.
Stocks & Shares ISA / Index Tracker Fund
Hi everyone, I am looking to begin investing, but I am new to the concept and have limited knowledge. I have done some research and am feeling a little overwhelmed. Rather than a lump sum, I'd like to start small, paying in around £50 - £100 per month, and build gradually. Given my inexperience, I'd also like to start…
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…
Coventry building society to Yorkshire building society
Hello. Another basic question which l think l know the answer too. Anyway, l opened today the YBS 8% £50 per month regular saver but noticed that you can't fund the account from another YBS account. I was going to use a already set up YBS easy access with £600 in it already. SO can l use my Coventry easy access to fund the…
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…
Global high dividend ETF
Can anyone recommend one to research. I have about 20% in City of London, 20% in SWLD 10 % in VHYL and the rest in gilts/MM I am 61, retired, but not yet drawing any pension, and nervous of sequence of return risks, especially as global trackers contain so much of a handful of expensive US companies I am over the old LTA,…
BP Shares - nominee not certifcated - how do I transfer registrar?
I hope someone can de-pickle my head as I am so confused! I have some BP shares in a Halifax account which a friend gifted to my son aroun 12 years ago (he is now 12, it was for his Christening). A few years back Halifax started charging £36 per year admin fee and because I didn't update my bank details in time, some…
Investment strategy
Can I please ask for some ideas about investing £450k from the sale of an inheritance property, it is currently rented making about £1200 per month. I am a basic rate tax payer and looking for a monthly income to supplement a pension. I prefer low risk rather than investments in the stock market and trusts.
Octopus Apollo VCT
My dad has Octopus Apollo VCT shares and wishes to sell them so has tasked me with the job as he doesn't know how to go about it but neither do I! Doing some googling it looks like I can either sell the shares back through Octopus or through a broker but which is likely to be best? Thank you.
Prudential Shares Demerger of Jackson Financial - Equiniti
My father passed away in 2022 and I am in the process of sorting out his estate. My dad was a long term employee of Prudential and as such had accumulated shares in Pru plc. In 2017 a demerger occurred between Pru and Jackson Financial and all Pru shareholders gained shares in Jackson as result. As I understand it these…

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Martin Lewis: We need financial education in EVERY school for EVERY child
Universal financial education – providing young people with the knowledge and experience to thrive in our highly competitive consumer economy – is vital for the future of our society, MoneySavingExpert.com founder Martin Lewis has warned. Addressing an all-party group of MPs and peers at Parliament, Martin told them, loudly and plainly: we need financial education in EVERY school, for EVERY child.
State pension set to rise by up to £460 a year – but Martin Lewis warns it won't help pensioners this winter and most won't get the maximum
The state pension is set to rise by up to £460 a year (£8.80 a week) from 6 April 2025 under what's known as the 'triple lock' guarantee. But MoneySavingExpert.com (MSE) founder Martin Lewis has warned that any rise will come too late to help pensioners set to lose their Winter Fuel Payments this winter, while most won't get the maximum increase. Here's what you need to know.
The Body Shop administration latest – here's what you need to know
Cosmetics retailer The Body Shop has fallen into administration, resulting in almost half of its 198 stores shutting their doors for good and hundreds of staff facing redundancy. Below we round up all you need to know.
Martin Lewis warns council tax debt collection is 'so aggressive it'd make banks blush' – change is needed
Aggressive council tax debt collection practices – even after missing just ONE payment – are putting up to two million people at risk of serious harm, new research from charity the Money and Mental Health Policy Institute (MMHPI) has found. The charity's chair and founder Martin Lewis has called for Government action and urged local authorities to look at their methods in the meantime.
First-class stamp prices to rise by an inflation-busting 22% from 7 October – here's how to beat the hikes
The cost of standard first-class stamps will rise by an inflation-busting 22% from Monday 7 October, Royal Mail has confirmed – but if you buy some now, you'll still be able to use them after prices go up.
Nationwide to hike FlexPlus packaged account fee by £60 a year – should you ditch and switch?
Nationwide will raise the fee on its popular FlexPlus packaged bank account from £13 a month to £18 a month in December, the building society has announced. If you've got the account, it's likely worth sticking with for now – though you should diarise to look at alternatives when the new fee kicks in. Here's what you need to know.
FREE visits to 5,000+ UK historic buildings & heritage sites in September
You can get FREE access to many historical sites and tourist attractions this month including National Trust sites, castles, locations used for TV and film including Pride and Prejudice , The King's Speech , and Bridgerton, and more. It's all part of heritage open days across the UK.
School uniform grants: check if you can reduce costs by up to £200 with support from your council
If you're on certain benefits, such as Universal Credit, you may be able to get up to £200 to put toward the cost of your child's school uniform in the form of a non-repayable grant. We've pulled together a list of the councils that offer the support and how to apply.
McDonald's Monopoly 2024 – when it starts and tips for boosting your chances of winning
There are many versions of the classic Monopoly game these days but one that many fast-foodies look forward to each year is McDonald's Monopoly. If you're going to eat under the golden arches or order a McDelivery, this promo can be a fun way to win a 'free' bite to eat, or if you're lucky, something bigger.

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