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Chip prize draw account
Anyone got the chip prize draw account is it worth it I’m used to having all my money making money in accounts with interest so wondered what people’s views are on it 😊
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Investing - Where's the pot of gold?
I'm dubiously looking into investments instead of saving. Everyone says investments beat savings given a long view. The number one question is, how much do they pay? One or two sources describe 2% - 4% or 2% - 6% as a 'strong yield', at least for income investments. Then I looked at Hargreaves Lansdown's platform (as I…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.07% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers…
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What to do with inheritance?
My daughter is 21 and has roughly £140k from inheritance. It's currently in a trust, but the question is what should she do with it? She's about to finish her Masters. I have no idea how she can make most of it, invest it? If so how? Property? Would love some smart suggestions. (She also has no idea what best route is)
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Habib Zurich 12 months bond
Has anyone opened a 12 months bond with this bank? They have a 12 months bond giving 4.44% AER, which I opened on 23.12.2025 as I had a bond with them before. I thought I would put in £1,000 to begin with to make sure it gets there before I fund the account further. They have set up an account in my name as when I made the…
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Orbis Investments.
Does anybody use or has used Orbis Investments?Was thinking of having a punt on Global Equity Fund.Is the 'We only charge a fee when the fund beats its benchmark' a good system?Would it be better to buy through Orbis or my Scottish Widows account, I already have S&S Isa with SW.
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Pension v isa (s&s)
One or the other of both? Only difference I can see is its locked away in the pension. Which might be a good thing for impulsive people? End aim is an income to replace wages. Currently age single 44 with 30k pension and 200k instant savings but no property.
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AIM shares held in ISA - Business Property Relief?
I’m embarking on one of those periodic “sorting things out” jobs and am looking at wills, SIPPs, ISAs and the like. With regard to BPR for AIM shares held for at least 2 years, do shares within what I would call a ‘normal’ Stocks and Shares ISA or SIPP with (say) HL or AJB, qualify for the relief? A long time ago, I…
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Skipton BS - 1Year FIXED Bond; reducing interest rates?
In June 2025 I opened a 1 Year Fixed Bond [1Y Fixed Bond Issue 2] at Skipton BS and deposited £5000. The interest rate was 4.75%. This morning I received an email saying that following the BoE base rate reduction, the interest on my account would be dropping on 26 January to 4.40%. I thought a FIXED bond had the interest…
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Tell me what I’m missing please - maximising savings.
Hi All, I have plans for this cash in around 5 years, maybe a year either side which is why it’s in savings rather than investments. Please poke holes in anything I’m messing up, I’d really like to push on and max my routine this year for savings. Monthly routine - Main sum is in Zopa easy access @ 4.45%, £300 into 7.5%…
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Home for Excess Cash
I’m looking
for a home for my excess cash, instead of leaving it in MM. My equities
allocation is at its ceiling of 37% plus I already hold 26% in short and intermediate
corporate bond funds. A couple of low risk MA funds account for a further 16%, which
leaves 20% to decide on. I’m
unlikely to need the cash but it should…
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Skipton Building Society - Albania
Recently I was on holiday in the Balkans. I have three Halifax current accounts, so pay £500 from each into Skipton to get the £5. Whilst in Albania, I was unable to log into the Skipton app, (comes up with unable to connect to internet). Nor could I access the Skipton website. My partner had the same problem with both app…
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Accounts that pay interest at maturity
My go to is NSI. I did check MSE and all the accounts they list as paying at maturity actually don't e.g. RCI. Does anyone know of any other banks that pay at maturity as an option. I am looking at a 2-3 year bond. thanks
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Atom transfer in issues
Has anyone experienced any issues recently when attempting to transfer into a Fixed term Atom Bank saver? I opened one recently but when I tried to fund it from my Halifax current account they flagged it up as a high risk potential scam on two occasions. This is quite strange as I have done this on previous occasions with…
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Nationwide “Fair Share” payment 2026
Just in case people were not watching the ML show last night, he mentioned the cut off dates for the Nationwide fair share payment, if they do indeed have one again this year. £100 possible in June if they do one. Need to be in place by this month, if they have the same rules as previous years of the payment. Thought I’d…
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After some investment advice
No judgement but my dear old mum has taken all of her workplace pension and stuck it in her current account. She didn't want the government to tax her again on her hard earned money. She is 65+, renting and there is £20k+ to play with. Note, us kids don't care about her leaving anything for us. Any advice is greatly…
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How can I make myself tax efficient
Hi there I was hoping to get some thoughts on how best to maximise my finances in a tax efficient way so I'm not paying as much tax on interest. I already max out my ISA allowance and a total 16% goes into my pension. No particular financial goals really. Based on the figures below, are there other things I should…
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Premium Bonds Available balance
Apologies if this has already been covered but I can't find anything definitive. I have invested £50000 into Premium Bonds but my available balance is still showing £0. I have also tried to do a test cash in but it won't allow me to do so due to no funds available. Any advice or comments please?
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Investing in Venezuela
Curious if anyone here is investing in Venezuela? For example, an IBVC stockmarket index tracker. Thoughts also welcome on sanctions, tax, local laws, etc.
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Where to keep my emergency fund
Hi Everyone, I finally have the starting's of an emergency fund. I've built up £1,000 via a regular savings account which comes to an end later this month. I now have no idea where to keep said money, I am planning to have another regular savings account this year and will add this to the 1k hoping building up a few months…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
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Most recent: Transfer from Kent Reliance by t0rt0ise
26 February at 7:56PM
