Savings & investments

I'm a 40% tax payer and I have +£90k that I need to do something with, if I leave it in my Chase account I will receive interest (not a great amount) but the amount I will receive will exceed my tax free interest allowance. As a result I have invested £20K in a Cash ISA which will be OK but the £20K limit will reduced in…

So i have some spare monies built up doing nothing after maxing the cash ISA this tax year. Now seen the rates btwn NS&I and the next fixed rate for 1yr fix is very close. Wanted to ask what the pros and cons were, apart from the obvious that NS&I is backed by the treasury so probably beats FSCS, but im nowhere near…

I have been experiencing issues over the past number of days in attempting a transfer of my ZOPA Cash ISA to Moneybox Cash ISA. To date I have attempted four times a transfer with each one failing. I contacted ZOPA who after an hour of messaging they repeated that the transfer was a Partial transfer which they do not…

In my maturity options for my Maturing NS&I growth bonds they mention 2 different interest rates - what does this mean when looking to renew Current rate 4.82% Guaranteed rate 4.69 tia sx

Hi there, Looking for recommendation on a Euro denominated ETF to invest Trading212 cash back. Ideally, it would be balanced between EU and US without too much US exposure. ISIN: IE00BK5BQT80 ISIN: LU0908500753 The two above are the ones I am thinking, one ca 60% US exposure, the other Europe only without any US exposure.…

Hi all, I've searched the Scottish Friendly and MSE website and forum to try and find help with my issue, but I'm still somewhat confused. If someone who has been through this process, or knows how it works, could please advise me, it would be greatly appreciated. I set up 2 accounts with Scottish Friendly, an ISA in 2020…

Good morning, Canvassing opinions on my situation. Just to begin with a quick background. I'm 53, retiring at 60 and my pension will currently support that. I have been investing for the last 4 years by the way of SAYE shares which have been diversified into global ETFs which are accumulating and are within a stocks and…

Given his efforts to reduce inappropriate use of his name by scammers, etc, it does only seem a matter of time before this gets taken down, despite being published by a satirical site… https://www.thedailymash.co.uk/news/lifestyle/splash-out-on-hookers-you-cant-take-it-with-you-says-martin-lewis-20260827268941 THE UK’s…

Vanguard launched three new global ETFs: https://www.vanguardinvestor.co.uk/articles/latest-thoughts/investing-success/three-new-global-equity-etfs That includes a FTSE Global All Cap with an OCF of 0.07%.

Hello, I am trying to find the best way to sell silver coins. A lot of the coins are pre-1920 which I understand are .925 standard. The prices offered by high street buyers are very low as are those offered by companies who buy "unwanted" precious metals. In a thread from 2011 the best way to get a reasonable price was to…

My nephew is considering investing in a cask of whiskey from London Cask Traders. I was wondering if anybody has had any experience dealing with this company?They say that the average annual return is between 12 to 20% and is CGT free, which would suggest to me that it is very high risk at best.

Hi: Finding it hard to source a joint savings account that pays more than 4.5% ( Tesco ). In fact for whatever reason joint savings accounts are really hard to find. Trying to find a home for 200k. One year fixed rate and/or easy acess. I'd be grateful for any suggestions. Thanks in advance.

In 2023 I transferred a stocks and shares ISA from II to Iweb. Today I logged into the II platform to look for some historical information from the account. I was surprised to see that I had just over a £100 in it. Surprise turned to anger when looking through the history to see that shortly after the transfer a dividend…

Hi, I am a basic rate tax payer and expect to pay tax on my savings I have £79,000 in SAGA easy saver earning 4.5% Would I be better to move £50,00 to NS&I Premium Bonds ? Please note: I have maxed my ISA for 2026/7 I am not interested in any risk / longer term investment Many thanks for reading and appreciate any advice

Hi... Thanks for adding me to these forums. I have recently took early retirement and will be receiving a lump sum from my workplace pension. Any advice on the best ways to maximise the above without paying no/very little tax. I,m over reading on all that offer Saving/Investment accounts. Any help will be greatly…

Just had a shock when I logged in and found I had £100k earning no interest.😯 You can upgrade your account to the latest 'Simple Saver' paying 4.52% But I had somehow got 2 Sunny Day Savers - which pay 5% up to £3k So only one account (with £3k in it) was paying any interest at all So I corrected that But then I had…

Is it true that they only have a cheque process for cash isa transfers out to other providers? I was considering transferring my matured cash isa to VIDA who are offering 4.7% compared to FBS 4.4% for a 1 year fixed cash isa. But I don't think VIDA and several other banks will accept a cheque process so I'm stuck with FBS…

Welcome to this thread. The purpose of this thread is to provide a regularly updated list of the cut off times for faster payments made into the savings accounts offered by various banks and building societies to begin earning interest the same day. Given the sheer number of banks/building societies there's bound to be…

Skipton have announced a members' draw each month, from 1st October 2026. £50,000 is shared between eight members selected at random, including one £25,000 prize, two £10,000 prizes and five £1,000 prizes. There are twelve Members' Draws and the first draw is 1st October 2026. The longer your membership with Skipton, the…

I’ve just switched my ISA to etoro, for the 3% cashback. ISA was with Vanguard and invested in their Sterling Short term MMF and uk gilt UCITS ETF. Couldn’t find these on etoro, so need to find alternatives. Key things for me are monthly income, and low cost. I’m not too concerned about capital growth as I’m not touching…