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Savings & investments

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

View's please on holding physical Gold?
I would welcome views on holding physical gold, I.e. coins etc. I do realize that gold at the moment is at a very high price at the moment but I am looking into the possibility of holding some in the form of coins, Krugerrands etc. Any help in where/how to purchase, storing the coins, possibly selling them in the future…
Free theMutual.net shares
Hi there , just found an old password and note of the free mutual.net shares I was given back in the late 1990’s . I understand that they have been taken over several times since and are now trading on the AIM as progressive digital media group . Anyone else have any ? Know if they have any value? Any idea how to cash them…
General advice for savings and investments of around £500k
Hi there. I’ve always had some great advice and a range of opinions when I’ve asked questions on here about strategies for saving and investing. So, here is an open ended question about what the best strategy would be for me and my partner to invest and save. We have just over £500k between us from an inheritance a year…
What to do with my money - I’m 18
Hi, I have just recently turned 18, and now I have full access to my savings and other accounts. Most of these accounts are quite low interest and I want some opinions on what I should do for the future. The money is kinda split like this: Cash: 15000 Savings / ISAs: 4000 Premium bonds 4000 Any advice is appreciated.
Skipton sort code
I am trying to transfer a maturing ISA from Skipton building society to West Brom building society. I can't find for the life of me a sort code for the ISA account. Not online, not in the physical paperwork and their phone line is now closed. Any help?
Vanguard Funds
i have an ISA with iWeb. i was trying to buy some Vanguard FTSE global all cap index gbp acc it comes up as VRXXA rather than VAFTGAG When I looked into this it is listed on the key document as Mex ID: VRXXA can anyone tell me what this means? Is it listed in Mexico?! Is there any issue with this rather than the regular…
My Community Bank savings question
My Community Bank savings account has recently matured and its automatically transferred to a Castle Community Bank account. I am trying to withdraw the money from this new account as the interest rate is much lower, but for the life of me I can’t find a way to withdraw my money! There are no options. I’m being thick but…
Checking savings interest reported to HMRC
Is there a way of viewing the savings interest reported to HMRC. I logged into my tax account but can't find this information. I have received a letter quoting a total amount but no breakdown on how they arrived at this amount. Any suggestions how to view this information would be appreciated please.
Savings account and tax
I have sold my property subject to contract. I am going into temporary accommodation when I complete. I have not yet put an offer on the table for a new property as nothing suitable has emerged. I am likely to have to save between £400-£425,000. Where is the best instant access account to hold these funds in, in between…
Coventry BS/Co-op savings accounts... any sign of merging..?
OH and I have a joint savings account which used to be with the Britannia and is now a Co-op product (with whom we have a joint current a/c). We would now like to move our funds to a Coventry BS product. Following the recent takeover announcement, do we simply go ahead with this move or are we wasting our time and effort,…
Hargreaves Lansdown - ISA/SIPP Cashback offer returns
Special offers to give you more value for your money | Hargreaves Lansdown Seems to be open to all customers this time around. The cashback amounts appear a lot less generous than previous iterations.
CSH2 ETF Alternative ETF?
Hi I have searched for an alternative to CSH2, but haven't been able to find one, specifically non-distributing ETF. I am looking at moving one of our SIPPS to Fidelity (just for IT / Admin resilience), but they still will not onboard CSH2 (for my cash/cash like holdings). I've looked at ERNS and it would suffice as an…
HL active savings MSE cashback offer
Hi, I've opened an active savings account (funded with £10k) to take advantage of the £100 cashback offer.Within the active savings account I've applied for the Emirates NBD, 3 months fixed, Starts 08/07/2024 4.99% AER. It's status is currently "pending" (awaiting the start date). The cashback would be paid ~ Jan-Feb/2025.…
Employee Barclays Share Save - I've left employment
I've recently left my employment with Barclays Bank and bought company shares which are registered at www.globalstocksandrewards.com. I've just received a letter from Morgan Stanley advising that I need to either sell them or transfer to a 'Personal Brokerage Account'. To do this I need their Clearing code/DTC Number,…
Trading 212 interest rate issue
Hello, I switched my ISA to trading 212 when it was offering like 5.17%. A month after mine dropped to 4.9%. it is now offering similar 5%ish but appears to be for new customers, i assume i cannot get onto the higher rate now? It kind of sucks because i joined their existing deal late then as soon as BOE dropped rates they…
Inheritance
Looking for some information on trust funds. My children have been given money for their grandparent in the Will. They are not to receive it until the age of 21 however I have been asked if I want to withdraw it early. I’m not looking to invest the money for my children other than the bank’s interest rate, wanting to be…
Best way to invest £100k
Morning looking for some advice. We have recently inherited £100k and would like some ideas on best way to invest it. A little background. I am in my mid 40s. Work in a school on £65k salary. Not much in the way of savings, but good pension building after being in teaching for 20 years. Have a mortgage on a £350k house…
Strategy for an amateur, other than sticking everything in a diverse index fund?
I don't really have the knowledge to actively manage my investments so a few years ago I decided to stick everything in Vanguard's LifeStrategy 80% index fund. It's doing okay, and I've gained 30% since I started, so there may not be any reason to change this approach. I assume there are other options though, there must be…
Help - How to Prove a Scam
Hi I am trying to help an elderly friend. My heart of heart tells me she is being scammed - this has already happened to her before and now it is happening again. I have told her that I believe it is a scam, I have shown her a facebook page where people have said its a scam and even a website they have where a few people…
Best buy instant access savoings with ATM card
Best buy instant access savings accounts are easy enough to research but I am looking for one with an ATM card option. Does anyone know of such an account?

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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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