Savings & investments

Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…

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

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 >

After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…

Hi please can anyone help.. I have spent hours on the phone to HMRC regarding starter savings allowance and all of them were not awars of the starter savings allowance. I transferred 10% of my allowance over to my husband so my allowance is £11310. If my earnings are £11410 does my starter savings allowance reduce to…

Binance reporting $6.3Bn hack this morning:- https://www.theguardian.com/business/2026/oct/29/binance-crypto-exchange-hack Not sure I'd want my savings in this arena.

Welcome to this thread The main purposes of this thread are two-fold: To provide a list of the top regular savers currently on offer To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article which…

Surprised by the lack of outrage that tax on savings income (over PSA) has just been increased to an extra 4% above current rates from April 27. Seems that hardly anyone noticed. 1.1 Income Tax: Savings Income Tax Rates for tax year 2027-2028 As announced at Budget 2026, the government will introduce legislation in Finance…

What's included in this list? This is a list of cashback offers that might be of interest to forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition…

Virgin Money have launched vers.6 which is now available on their website. Rate fixed at 6.5% AER until maturity 30/06/2027. I've been waiting for this as my previous RS matured a few weeks back.

Asked this in the HL Fee Changes thread although it's a small issue and there's plenty of other discussion there so I thought it might warrant a new thread. A number of UK companies issue shareholder benefits vouchers/cards, mainly from the leisure sector (Mitchell's & Butlers, Marstons, Fullers, Whitbread etc). HL…

This is for savers with total interest over their personal savings allowance. In the light of the increase of 4% from next April what are the best strategies to mitigate the tax take bearing in mind the old adage "don`t let the tax tail wag the investment dog"

I'm a cautious investor and have been with the same Financial Advisor for four years. He gets £1000 a year from me but my money is invested in 2 Funds so he does nothing for his money. Last year I arranged a meeting with him following a significant change in circumstances and sought advice from him. However a week later I…

Hi All Looking around and found spring Accelerate saver @ 5% for up to 5k Just looking for any thoughts from any one who's using Spring bank , hit or miss Thanks Steve

Dear all… My wife is an investor…trading mainly shares on US market in tech and memory…. but she'll never be an administrator. So the paperwork falls to me. She operates across T212, IG and now also IKBR. For her tax returns 2025/6 (she started investing at start of 2026) I used cgtcalculator.com and was able to bring all…

Hello All I’ve been thinking that I’d like to lessen the amount of my money that’s invested in the US, and increase the amount that’s invested in the UK. I’m motivated by my values, and realise it will most likely cost me financially. Can anyone suggest where I might move my money to? Most of my £ is currently in VWRP. I’m…

Both myself and wife have been notified of the new platform that CSB are to introduce early 2027. Does anybody know of why they're changing to the new "Online Services" platform and how it will affect day to day use. Are there examples of other institutions making this change and what advantages or disadvantages could…

HarbourVest Private Equity (HVPE) have launched a major tender offer in October 2026 to buyback shares at an attractive premium to current share price. As example, the Tender Price on 20 October 2026 would have been £40.6822 per Share compared to Share Price of £32.20 per Share on that date. If it goes ahead (following…

I'm trying to get my head around the new Pension Tax Allowance (PTA), the new higher savings tax rate and the Starting Rate for Savings (SRfS) for next year. Consider a pensioner on the full State Pension of £13,036.40. The difference between the pension and the personal allowance is £286.40, so the SRfS allowance is…

Scottish Widows are offering £25 cashback. Search it up and follow the link These Terms and Conditions apply to the offer to pay £25 cash back to Scottish Widows Share Dealing Customers who download, register and login to the Scottish Widows app (the “Offer”) between 19 October 2026 and 4 January 2027 (the “Term”). The…

Hi everyone, I'm looking for a bit of advice please. My wife banks with Virgin Money and currently only has a current account. Over time she's built up a fair amount of money sitting in it, and I've suggested she should move some of the surplus into a savings account to make it work a bit harder. The main thing is that…

Just wondering…

Amundi is carrying out a stock split on 27 October 2026. To allow the split to be processed, trading of CSH2 will be suspended from 22 October to 28 October 2026, inclusive. During this period, you will not be able to buy or sell shares of Amundi Smart Overnight Return (CSH2). Trading of this fund will resume on 29 October…