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Savings & investments

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

Tennants in common with a parent ... Pros and Cons
I'm considering buying a house as tenants in common with my father and need advice on the pros and cons. He’s 72, owns his home outright, and I’m nearly 50, single, with no property of my own—making me increasingly anxious about both our futures. Originally, I planned to buy a property outright, but circumstances have…
Virgin Money Regular Saver
I have the 10% regular saver from last summer. I've been paying the max £250 in each month. Can I not make any more payments and just leave what's there accruing interest at 10% until it matures please? Or do I have to continue making a minimum payment?
ReAssure Investment
Is anyone out there having problems with ReAssure as cannot access my online account as from yesterday and have tried 3 times to contact them by phone but just ringing out. Seems really poor customer service
Principality BS Website outage
The Principality website just timed out on me while using it 11:10am, trying to log back in getting the same Azure error message - seems they are just too popular on the first of the month with all those regular savers! UPDATE - back when I checked again around 11:50am
Ford money problems
Tried to log on with app first thing this morning, not working, tried with website too, wouldn't log me on. Phoned them up, very off hand and unhelpful, explained I needed to withdraw from my instant access account, was told to try later, as they were having problems,I asked.if I could just.do it over the phone,…
Tembo & Trading 212 - overlap in FSCS?
I currently have more than 85k between them and am considering transferring a further 20k into my Trading 212 ISA or a new Tembo Cash ISA. But I'm worried about going over for FSCS protection. Maybe it's the heat but the maths is evading me on this one...Tembo LISA 38k = Barclays, Bank of Scotland, Aldermore Bank and…
Info source for credit spreads
Is there a single info source that shows yields and therefore credit spreads for different types of debt, ie government, corporate, developed markets, emerging markets, by country, by region etc.?
Self employed and started to invest
Hi I’m self employed, I’ve finally built my business to the point where I’m earning a reasonable income. I’ve just been approved to buy my house and this year have started regular contributions towards a private pension (not much but will increase once I’ve got my emergency fund together). I’ve also started investing into…
NS&I to cut Premium Bond prize rate to 3.6% from August – are they still worth it?
NS&I will cut its Premium Bond prize-fund rate to 3.6% from 3.8% for the August draw and beyond. But this rate was already lagging behind interest rates on standard savings accounts – so if you have Premium Bonds, you may want to consider moving your cash to an interest-paying account. Read the full story: NS&I to cut…
Children's savings
Hi all, I'm probably being really dull but reading the articles on children's savings I'm still unsure what the best thing is to do to get the best returns on my child's savings. She is 8 years old and currently has about £11k in an ISA at about 4%. She will soon be receiving potentially £10k or more, due to a death in the…
Cashing in investment bond held in flexible trust
Brother and sister are beneficiaries of an investment bond which is held in a flexible trust created 6 years ago. It is performing poorly and they are thinking of encashing the bond as there are no options to change the fund. Should they wait until the 7th anniversary for the bond to be outside of estate or does the…
Better use of cash
Hi, me and the missus have managed to build up about 200k in cash which is currently split in ISAs (Tembo, Leeds, Paragon) with the rest in Marcus - we are paying 45 percent tax on that! got a mortgage balance of about 200k, but that’s on a 2.9% fix until 27. I’ve got a company operated pension which I pay 1500pcm into and…
Loughborough Super Saver Account
Sent email on Tuesday with scanned application form and ID documents. Heard nothing, so rang them today. Apparently can take 5 working says to open account even if details sent by email so goodness knows how long if apply by snail mail. Not very impressed and having second thoughts if I will fund it. Shame because good…
How are individuals officially nominated as candidates for corporate board seats?
Does this occur prior to the next annual general meeting (AGM)? I believe some companies have a nominations committee, typically comprising the board chair, vice-chair, board members etc. Do institutional investors with enough voting influence proffer names, does the nominations committee hire an outside company to present…
Advice for son just starting out
Hello, I am looking for some help with how best to advise my son regarding money. He’s 22 and lives at home, bringing home around £2100 per month. He has a student loan and runs a car which is paid for. I’d like to help advise how best to save money and make it work for him, hopefully to install some good habits for the…
Companies Without Savings Apps
Following on from my 13th payment project ( https://forums.moneysavingexpert.com/discussion/comment/80737194#Comment_80737194?utm_source=community-search&utm_medium=organic-search&utm_term=13th+payment+ ) here is a list I've been working on for longer. Building Societies: BeverleyBuckinghamshireChorleyDarlingtonDudleyEarl…
How to compare portfolio performance?
Is there a relatively easy way to compare the performances of several portfolios? My colleague at work has put roughly the same amount into his pension as I have, but his has quadrupled and mine has only almost doubled*. He's convinced that it's because he has 25% of his portfolio in AV MyM Blackrock Aq Connect US equity…
Calculating gain on a General Investment Account
I am thinking of opening a General Investment Account and know that I could withdraw £3k annually without paying capital gains tax but I am not clear on how to calculate the gain as I have never bought stocks and shares before. If I invest it £20k in a lump sum and it grows to £24k, I can see that the gain is £4k, so I…
Capital Gains on Company Shares
Hi, I recently sold company shares which have matured after purchase in 2020. The shares have a capital gain of approximately £6,200 and i was hoping that, as my wife contributed to the purchase with me, we could utilise both of our CGT allowance for this tax year. I have however been told that because the shares are only…
What time of day are Interactive Investor 'same day/urgent' withdrawals credited to bank?
Does anyone have experience of what time of day Interactive Investor same day/urgent cash withdrawals are credited to banks (Nationwide, if that affects the answer)? I am talking about the pre-2pm/£15 service out of a Trading account. The only answer ii could give me over the phone was "by midnight". Thanks.

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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