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Savings & investments

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

Currencies Direct warning
I'd like to warn other users of Currencies Direct's not very transparent tactics and low exchange rates. It'd also be great to know if anyone else has experienced something similar. Quick summary: when you open an account with CD, they put you on a price plan. The rates you're offered are not the same as the ones offered…
How best to save large sum
Due to inheritance I will be coming into a large sum of money and I have no idea how to bank/save it to avoid lots of savings tax. I can only put £20k into an ISA each year so I'm not sure what to do with the money that is just sitting. I'm very risk averse so not wanted to invest, I would rather just have it in the bank.…
Being gifted ~£100000 from overseas: any caveats?
My parents recently sold their house in Canada, and have unexpectedly told me that they will be gifting me roughly £100000 from the proceeds. They said they want to do it this week and their financial advisor told them there would be no penalties, taxes etc if they just transfer it into my account, so they say they're just…
Prosper boost payment not received
I opened a prosper boost savings account that was advertised via MSE. It was a 6 month fixed savings account at a rate of 5.02% boosted to 5.3%. When the account matured, i received my initial deposit and interest at a rate of 4.99% back into my nominated bank account, but not the 5.30% i signed up for. I have asked why…
Do I still need an IFA age72
I pay an IFA for dealing with my Aviva pension fund. I already get my state pension fund and a small NHS pension. My Aviva fund (£100,000 at present)came from another job pension plus meging small pots which he did. Do I still need my advisor? Can I cut out his fees? I get an annual review by phone and nothing changes. No…
Savings accounts that allow deposit by debit card
I'm looking for a new savings account that allows deposits by debit card. I currently have a Trading212 ISA and a Chip savings account that both allow deposits by card. Do any other easy access savings accounts offer this?
Trading 212 - MSE40 Code
Hi. Per today's newsletter about setting up an above Stocks and Shares account, with a £1 minimum for approx £40 of shares... Can anybody advise where/how in the process of setting up the account do we add the MSE40 code in? Thanks
Latest saving rates
Hi. I was looking at top savings companies. As have one with Virgin, I looked at there website. I came across 1 Year Fixed Rate E-Bond but when you go to the website https://uk.virginmoney.com/savings/products/1_year_fixed_rate_e_bond_issue_598/ to look there is no information, How much is the monthly saving that can be…
Tidying Finances
Hi All, I have just purchased a new home and for the first time in my adult life, I am mortgage free having used most of my savings on my new home. My finances are quite depleted and I was looking for some advice on my best next steps. My pension pot is £100k, I contribute 12% and my employer contributes 11.5%. I am 41 on…
Average medium risk profile pension fund performance for fy 2023-24
Hi everyone, I am trying to find a good benchmark for medium risk (ATR3) pension fund performance over recent years, in particular for the last financial year 2023-24 am are struggling to find anything on the internet. Can anyone point me to a good set of data? Thanks
Free shares - CGT?
Hi all, I have approx £3k in my freetrade GIA from free share promotions over the years. Does all the value of these shares count towards CGT for the year , when I sell them , or just the profit from when I acquired them ? Thanks
Pension fund from inheritance for child
Hello. I’m hoping someone can help me. My son’s father died last year and he has been given a child pension and lump sum from the pension company. He is 15 and they won’t release the lump sum until I find a trust fund for it. I have researched and can only find funds that take up to 9k a year and they won’t realise the…
Savings Help!
A while ago, I found a quiz on this website that helped me pick out which savings method was best for me. It asked me a few questions and then showed me all the savings options, with the ones best for me in green. However, now I can't find it, I've tried searching and looking at my search history. Have they taken it down?…
National savings certificate.
I recently acquired a 50 pound 2nd index linked issue National Savings Certificate dated May 81 in a package of documents from Barclays, held on her behalf by a deceased friend of my late uncle. The will in the package was 1963, she died in 1990. The package had been opened by the bank as they knew she had died, but…
Alternative Investments
I have been searching of late for investments, which means that my social media is being bombarded with all sorts of strange investments. Property, gold, P2P Lending, litigation finance etc. Can anyone advise me of there is any sort of alternative investment that is even worth consideration? If so, are there legitimate…
Yieldgimp for poor people
Is anyone aware of a yieldgimp alternative which, in addition to showing the effective yield for 40% taxpayers, does the same for we poor people who are just standard rate taxpayers? Thanks V
CYNERGY
Has anyone used a Cynergy cash isa? The reviews for this bank are not to clever on the internet.
So many conflicting statements about what to do at expiration of bonus day
According to Martin's explanation this time: ". Yet once it's in an ISA, it stays tax-free year after year, so some who've maxed out every year's allowance have £100,000s protected from tax. So as the last tax year ended just over a week ago... If you put money in an ISA last tax year, even only just before 5 April, you…
SIPP Issue - Paid more than I should into it
I have a SIPP and I paid into it on the 1st April, not realising the new financial year started on a Monday and not the first of April. What will be the fallout for having done so? I think it's too late to take it out and put it back in. I didn't work for last year and I realised I have overpaid by about £750 by putting it…
How to get the MSE £50 Hargreaves Lansdown Offer?
I saw that MSE has a £50 bonus offer if you invest £100 with Hargreaves Lansdown, I'm not quite sure how I access this, I saw it is under 'MSE Blagged' so I assume it is for MSE only. Do I just click on any Hargreaves lansdown link through the MSE site, open an account and deposit £100 and will automatically get the offer?…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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