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Savings & investments

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

Crypto Trading sites
Hi, I was wondering if someone could explain the crypto trading sites and the differences between them when it comes to value you get from each platform. There seems to be a clear difference between these sites that all have the same %age fees. For example, I have signed up to 3 different platforms and have noticed that…
Saving for grandchildren
Hi, we have 6 grandchildren and as each one was born my wife started a Halifax savings account for them with a £20 per month direct debit. Roll forward a few years and, between the 6 accounts there is about £20k. Halifax notify the Tax of interest earned by my wife but include the interest on the £20k which puts her over…
Inheritance
I'm due to inherit some money about £250k at the end of this year. I'm looking for ideas for the best investment accounts to put this into that are easy to manage with low fees.
Timing the investment
The question that’s been asked time and time again and I know nobody knows the answer I’m just looking for peoples thoughts. I’m looking to add some money into my SAS Isa, I don’t have the money to do it during April so have missed out on the recovery. Are people expecting the markets to drop when the tariffs go live in…
Great British Invest off or Passive V Active Updates
For those who are curious to compare their Passive or Active investment strategies I'm starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517/great-british-invest-off-or-passive-v-active-discussion Monthly updates on portfolio…
Skipton Bonus Saver
I opened a Skipton Bonus saver @4.5% (including the bonus rate of 1.7%). I already hold the Member Bonus Saver but this didn't prevent me from opening the Bonus Saver and nothing I could see in their t & c saying I couldn't. I funded it by DC today but it is only showing an interest rate of 2.8% ie without the bonus. Does…
Vanquis Bank Withdrawals
Can anyone confirm what time withdrawals usually hit your linked account? I know it is next day but is it usually end of day, lunchtime or first thing? I have a forthcoming notice account withdrawal that comes out on a day that I'm planning to go away so am trying to work out whether to cancel the withdrawal or whether…
Halifax closes Savers Prize Draw
Advised by email received today that Halifax are closing their Savers Prize Draw. Not that I'll miss it as I haven't won a bean in it in the last ten years, and I haven't seen any reports from people who have.
Halifax Mortgage and Savers Draw
Letter received yesterday telling me one of the draw factors of Halifax is being scrapped in September. The mortgage draw in particular gave you the opportunity to win a large amount of money monthly (albeit noone knows any winners). Coupled with the removal of awards, what is going on with Halifax, with a remortgage due I…
Help tracking down old policy company
Hi MiL recently moved to care home and looking through old documents and contacting companies has mainly been fruitful. There is one item that has us stumped though. No end of googling has identified where this policy may well sit now. The documents list a product called an Assured Savings Plan, on paper headed up from…
Bass Plc- Old Shares
Hi, just wondering if anyone had any advice. My grandfather passed away recently and left an assortment of Bass Brewery Stock Certificates. I know the company went through the following changes; In 2000, Bass changed its name to Six Continents Six Continents (6C) was then split into two companies in 2003 - InterContinental…
Is it worth rebalancing my portfolio?
I have a SIPP made up of two funds. 28% is in HSBC Global Strategy Balanced C Acc 72% is in Vanguard LifeStrategy 60% Equity A Acc Ideally I'd like my portfolio to be split equally between the two funds. How an I calculate how much it would cost me to rebalance so that it's 50/50? Thank you
App to track all accounts and imvsstments?
Does anyone know an app that tracks all savings and investments? I need one that covers everything. In my case that's accounts with a couple of big high street banks (no problem, covered in the app I have downloaded, Snoop), several building society accounts (which don't seem to be, at least in the free version) plus a few…
Kent & Reliance withdrawal times
Hi. I can't seem to find (and I have looked) the withdrawal times of the Kent & Reliance Instant Access account. Is it quick and instant.I previously opened a Charter Account but closed it due to the slow withdrawal times. I need instant fast access. All the other accounts above this on the TOT charts are no good to me.…
CQS New City High Yield Fund Ltd (NCYF) ; what's the catch ?
I've done a fair amount of digging on this relatively high yielding IT/dividend hero. I'm yet to find what exactly is the trip wire :disappointed: Plenty of history, strong total returns, transparent. Yes you're always going to need to identify good opportunities when there are bond maturities, but it appears to have a…
Tax treatment of the Indexed uplift of a Discretionary Nil Rate Band Trust.
Hello, I am currently trying to sort out the tax implications related to winding up a Discretionary Nil Rate Band Trust following the death of my father, the surviving spouse. The Trust fund contained £285,000 ( the full nil rate band allowance at the time) and was indexed . This indexation amount over the 18 years which…
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

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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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