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Savings & investments

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

Market Carnage - strategy (buy/sell?)
25% of my retirement plan is in a DC pension and S&S ISA (ive other in a DB pension and property), plus an emergency fund. Looking at the carnage im beginning to wonder how long it could last, how deep the sell-off may go (my equitties could we be looking at a 25-50% decline over the next 1, 3, 6 months)? A. Anyone in a…
Withdrawing online from a Coventry Building Society Access Saver account
Hello, If I make a withdrawal this evening or tomorrow (Sunday) from my Coventry Building Society 4 Access Saver, when will the funds be available in my nominated bank account(Halifax) please? Thank you
S&S Query
Hi All, I think like most people I am focused on the stock market at the moment and this is my first experience of real volatility. I have £17k (£20k before the decline) invested in Vanguard with the following fund, My investment is within an ISA wrapper. LifeStrategy® 100% Equity Fund - Accumulation I recognise that it's…
Notice Accounts
I can't see any dedicated thread for Notice Accounts, so here we go. My question for all knowledgeable people in this forum is whether anyone has any experience with Allica Bank, I currently have a Zopa smart saver account and, so far, can't fault them really, but Allica are offering 2% for 95 days notice compared to…
Who's has been buying today?
Slightly nervous dropping a few grand into funds today, but I'm playing the long game.
Moved: Sorting...
This discussion has been moved.
At what point to stop investing (new money)?
As I have a habit of having my questions misunderstood - I'm asking at what point to stop paying in (S&S ISA / SIPP for example), not at what point should you pull all your money out. My mother is unemployed due to disability and is approaching her mid 60s. She has some thousands in cash savings. She had no retirement plan…
Paying Income Tax on Savings Question
Due to an anomaly of my finances last tax year is the first (and will be the only) year I have been (just) over the £500 threshold for declaring interest on my savings in order to be taxed so I'm a newbie. I am a higher tax payer in theory as my salary is over the threshold but I don't actually pay anything at the higher…
Best Regular Saver feeder accounts
I'm trying to find the best interest paying Easy Access savings accounts that allow repeat (preferably automatic rather than manual) withdrawals to feed the dozen+ Regular Saver accounts I have. This information used to be easy to find through forum searches a year so ago, but I've drawn a blank recently. Have I just been…
Best S&P 500 Tracker?
A simple question.. Which is the best (ie simplest and cheapest) basic S&P Tracker Fund out there? There's such a plethora of choices! It doesn't have to be an ISA as my total annual income is well below the personal allowance anyway.
Taxed on Savings - newbie
hey all apologies if this is a frequent question. recently noticed my monthly wage was not same and noticed the tax code had changed… unsure why, so called HMRC. they said it is due to tax on hour savings. Firstly! I was shocked how they knew about my savings (50K) on another online saving account that i never declared……
Simple Question regarding Bonds
Although I'm not quite ready to invest in bonds just yet, I'm trying to establish a plan for later.Not completely understanding how Bonds work yet but think the penny might be starting to drop If I invest in a bond for my sipp portfolio, and choose for example a bond fund which is made up of government and treasury gilts,…
Vanguard at the vanguard ?
Hello Folks I've noticed this fund manager on the whole gets better reviews than most. Why is this? Perhaps its consistently cheaper? Or are its managed funds consistently better than others? Or are its global or region specific funds better diversified and representative ? Or none of the above and its something else? And…
Is it smart to stop PAYE?
Normally people pay tax every month via PAYE however I heard that you can remove yourself from PAYE and do your own tax return at the end of the tax year which means you can earn interest on the tax. Is it this something people would consider smart? How common is this? Are there any problems with doing this?
Crystall ball required for rates.
Although this is more relevant to my next ISA choice of transfer, it applies to all savings. With the US tariff situation, is there ANY way of knowing if interest rates here may drop at a slower rate than previously thought? Normally I wouldn't be too picky but with ISAs it could be worth hundreds between a lower fixed…
Anyone buying stocks at the moment?
I've been buying every month for about 2 years and at one point I was 28% up, now I'm only 5% up which feels painful, but then I remember this is a long term thing and pound cost averaging wins long term. But with such a sharp selloff I decided to transfer 20% of my emergency fund to my stocks & shares ISA to buy some more…
Over Saving Interest maximum
Hello I've been saving for a house and just realised that I have gone over the £1000 tax free saving amount which I can earn before I pay tax on interest earned, on my savings. (I'm a standard rate tax payer) FYI I found this was happening when my national insurance number changed and a larger amount was charged for income…
AGMs - what do you do?
Now I’ve got accounts with a fair few building societies it’s the season of the year with emails and post giving me the opportunity to vote. I’ve voted a few times before - mainly because they were offering charity donation for voting papers completed or just because I felt obliged to. The reality is I would usually go…
Silver / Gold products on discount sale?
I've recently become interested in buying a small amount of gold / silver (not a lot, but thought it can't hurt to own a little). I noticed that some of the websites (eg. bullionbypost) have some products - normally commemorative coins / mints etc - on sale (eg 15% off), as well as selling "second hand" gold / silver (?) I…
Setting up discretionary trust - is my understanding correct?
My parents are looking to setup a trust to gift some money to grandkids. I understand the differences between bare vs discretionary trust. If the tax is not so punitive we would like to use discretionary given the control. Obviously we will speak to a specialist(s) on this. But from my understanding there is a way around…

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MSE News

Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.

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