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Why do people with the knowledge seem to invest more in ETFs?
That could be totally wrong which is why I used the word seem (seems to me). Also with "the knowledge" I'm referring to people will more knowledge than me, which will be pretty much all of you & most people I will encounter on any kind of financial forum like this one. Obviously these things aren't factually correct,…
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£10 e voucher for getting Yorkshire Building Society App - newbies only
I was glad I hadn`t downloaded the YBS App yet after receiving an email which offers an £10 e voucher for customers who haven`t downloaded the app. "Download, register and log in to our app for the first time by midnight 3 August 2026 and we'll treat you to a £10 e-voucher. Choose from over 200 stores. Terms and conditions…
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Cahoot Sunny Day Saver 5%
Can someone help me with an interest calculation? My Cahoot Sunny Day Saver pays 5% annually on balances up to £3,000. I have £3,000 in it. Will I get £150? Or is the interest calculated in a way that means I get less? And would I be better off having a balance of less than £3,000? (e.g, £2,850, and putting that remaining…
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NS&I's GGB 1 Yr - Guaranteed Growth Bond - nominated bank, maturing over w/end and cooling off?
I've several questions that I hope people with experience could share. Firstly - could I have multiple nominated bank accounts and assign different linked accounts to GGB, Premium Bonds etc., or is it just the one nominated account? Secondly - has anyone one had a GGB or other fixed term account mature over the weekend? Do…
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Premium Bonds prize rate to rise to 4.35% – how do they compare?
NS&I will increase the prize-fund rate on its Premium Bonds to 4.35% (from 3.8%) for the September draw and beyond. Read the full story: Premium Bonds prize rate to rise to 4.35% – how do they compare? If you haven’t already, join the forum to reply.
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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 Easy Access 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…
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Spring Accelerate 5% instant saver
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
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Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
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Gains on policies
I hold some with profits bonds, that I have had for 23 years. I understand that the 'gain' is not subject to CGT, but is added to income. I am a higher rate tax payer (nowhere near additional rate!). I don't really understand top-slicing relief - or at least I don't think it makes any difference in my case. The overall…
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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…
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Phoenix Life NISA ‘Funeral Fund’?
I’m helping my 81yr old MIL to sort her paperwork- she’s showing signs of early dementia and seems a little confused about her finances (she has LPA set up ready when we feel it’s time). I found an envelope marked ‘Funeral Fund’, it’s a Phoenix life ISA bonus account- NISA Unitised with profit. I can see she took it out in…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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Using Lemfi for savings. Any feedback please
Hi, recently Which recommended LemFi for a great (clean) EA savings rate - 5% inc. bonus - via their App. FSCS protection by Clearbank. Does anyone on here have any experience of them please ? I'd like to place quite a lot of money with them. Cheers. Joe
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Best thing to do with savings ?
I am about to gain around £450k - what is the best thing to do with it ? Bearing in mind that we are already maxed out on ISA's this year - having £200k in a Quilter Cheviot portfolio ISA. I really want to try something else but what ? I understand that you can put £50k into premium bonds - tax free winnings Cahoot…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.85% 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 elsewhere……
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Different Types of Gilt TN, TR, T, TG and TRxA etc.
I am considering moving some of my cash (held in the RL short-term money market fund) to Gilts as a hedge against interest rate decreases. On the II website (my chosen platform), I can see numerous Gilts with various references; see the title for examples. What do the references mean? Also, if I want to sell them before…
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Santander Edge Saver ended
I am looking to open another Santander Edge Saver account, please can someone remind me how to do this so I can open another ? I think the last time I did it was via the phone and wait for the account to be closed and reapplied?? Is this the way to do it or quicker to do it via chat bot, please?
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A weird phone call about shares
About an hour ago, I got a phone call asking to speak to me about my Centrica shares. I didn't quite catch the full name of the caller. In a loud and clear voice I said "who are you?", then the line went dead. The thing is they knew my name and I do own Centrica shares, held in my Interactive Investor account. Does anyone…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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Day Trading platforms
I am learning day trading and have been trading in Simul8or for a few weeks with a fair amount of success. I've been watching Ross Cameron's videos and learning his methods. I am heading towards wanting to open a trading account and seeing if I can replicate my Simul8or successes in the real markets. What platforms are you…
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