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Savings & investments

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

OEIC and Capital Gains Tax caclulation
Hi, About 15 years ago I opened a Natwest Coutts Managed Fund OEIC with a deposit and then paid into it reguarly for a number of years and then stopped. I now need access to the money and want to sell the shares and close the account. What I cant wrap my head round is how I calculate the CGT for HMRC. I rang Natwest but…
Woodford Equity Income: Link settlement with FCA
Link and FCA appear to have reached a conditional settlement on Woodford related matters which will deliver £235m in redress to WEIF investors: https://investors.linkgroup.com/DownloadFile.axd?file=/Report/ComNews/20230420/02656204.pdf https://www.fca.org.uk/news/news-stories/redress-woodford-equity-income-fund-investors…
Orbis
Signed up with Orbis stocks and shares ISA in 2018, when they were doing the offer of opening a new account and deposit £100 for free £100 top up in that account. I am wondering what others did with their account? On one hand, i am keen to leave the money in Orbis to diversify funds and FSCS only cover up to £85K for…
Financial plan: What would you do?
Hi all. I'm a long-time lurker and would like some advice from the 'hive mind' please. Current situation: Female, age 40, no dependants (none planned), 100%-debt free, higher rate tax-payer. I own a small but adequate low-value house (approx 150k). Minimal outgoings, no car or expensive holidays. Earning 62k pa (will rise…
Trading 212 2FA
I have just noticed when making a withdrawal now its necessary to enable 2FA.Before i made withdrawals without having to do this.What is the process, it first askes for a selfie.Can it all be done on laptop without using the app?
Kids pension or ISA....am I doing the right thing?
Hi Martin made a quick comment on the last show that he'd use an Isa before SIPP for kids....and now I'm not sure if I'm doing the right thing. The logic was that whatever they do in life they'd have something to retire with. but now I'm wording if I should change. They've both had SIPPs from birth I'm 51 with 2 kids, 8…
Savings account advice for a Newbie
Hi all. I'm new to the forum and feeling a bit overwhelmed by all the information and members' expertise! I'd really appreciate some advice on a savings question I'm grappling with. We have a pot of £45,000 that that we've borrowed to do some work on our house. At the moment it's in an HSBC Bonus Saver account, linked to…
query about Harrington and Byrne
Hi there Trying to help someone out who has been buying coins from H&B. Frankly I think it's a case of being overexcited and signing up to pay on installments and they are now way over their head. Hence me trying to help. So nothing needed about whether or not to buy coins, the deed is done. So does anyone know about this…
Pension contribution unearned income (higher rate tax payer)
Grateful for advice. I am 57, retired and in receipt of a good work pension. In the past 12 months I crystallised 25% of my private pension and left the remaining 75% in drawdown account. The amount crystallised was over £40000. I have no earned income although unearned income has pushed me past the 40% threshold. I would…
Skipton loyalty accounts
Last year I opened a Skipton easy access account keeping £1 in order to get a loyalty account at some point this year I have opened the member regular saver my question is do I need to keep the easy access account open or can I close it without affecting the regular saver
Taxable interest question
I had a 2 year savings bond that accumulated monthly interest. Is this interest spread over the tax years or is it only taxable when the bond matures I have the statements with the interest added in different years.
Nationwide Cashbuilder Book Interest (slightly weird behaviour)
I have a Nationwide Cashbuilder Book account from way back in the days when passbooks were a common thing. It had a £100 in it because although I don't use it and was never an activist carpetbagger it seemed sensible to leave a ton there just in case. Anyway, this account has been visible in online banking for years and…
Using HMRC repayment interest as a tax-free savings option, good idea?
Has anyone (ab)used HMRC repayment interest as a way to earn tax-free interest on savings? They currently offer 3.75% tax-free interest, which seems quite appealing, especially for higher-rate taxpayers, if your ISA allowance is already used up. Interest…
capital gain tax on stock market
is each individual exempted from paying CGT for the first £3k gains, inclusive of the stock market, per annum?
Zenith Bank
I've just opened a 6 month fixed rate account with Zenith using the link from MSE. Should have done some research but assumed it was OK as on MSE. I'm now worrying that this is not a trustworthy bank and my money has been lost. The telephone number appears to be manned from a woman in her kitchen who can't answer my…
Maximising starting rate for savings before leaving UK permanently
Hi there, Looking for some advice to maximise tax free interest income and got some questions and hope I can get this clarified or at least be pointed in the right direction. Assumptions: PAYE income from employment 54k p.a. Expected departure date leaving UK permanently 1st of June or 1st July Starter rate for…
Help deciding how much i need in Emergency fund
Hi folks, I've (probably badly!) searched the forums and struggling to find discussions on how much money i need to save for emergency fund. I've been pretty obsessed with getting my savings pot up to £20k. Both husband and i were made redundant at the same time a year last Jan (we were doing the same role at the same…
Regular Savings Accounts: The Best Currently Available List!
The information from the first page of this thread has now moved to a thread maintained by Bridlington1 instead. You can follow this link to find it: The Top Regular Savers Discussion Thread — MoneySavingExpert Forum
Old TSB shares
I have found old TSB shares (1987 & 1989). I have checked with the registrar that the certificates are still valid and they are. My question is - where can I find out what the share price was on the dates on the certificates. Trying to track it down on the internet is frustrating as it gets confused with the current…
Is it a good time to cash out my US shares?
Hi all, I would love to hear some advice on what to do with the US shares that the company I work for has given me. They’re worth $15k, and I was planning to leave them as they are, as they’ve been growing over the last few years. However, with everything happening in the US at the moment, I’m quite concerned that the…

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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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