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Savings & investments

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

Zopa 7.5% Regular Saver
Just received an email from Zopa announcing a new beta bank account which qualifies you for a 7.5% regular saver allowing £300 per payment month. The current account also pays 2% interest and 2% cashback on direct debits . Both opened and funded in a few minutes. My next £300 payment is allowed from 25 Dec. Edit. I see now…
Buying Gold - for savings
I can see from reading older threads on the topic of gold, that it causes a fair amount of divided opinion. Nevertheless, I'm currently thinking about investing a relatively small amount (say £10k initially, to test the waters ) in gold, as an additional form of holding my 'savings' as opposed to seeing this as an…
Anyone have any experience of lulo?
Hi, Does anyone use anything like lulo.fi (its an app on solana that allows you to lend out stablecoins to overcollateralised lending pools for yield). Looking at where to keep cash in an easy access account, and the general bank rates seem so bad compared to what is available onchain. I know there is some risk of hacking…
Astute Capital PLC
Unfortunately my mums investment in Astute has been lost now it has ceased trading however I was contacted by Regulus Capital Consulting claiming that they had been assigned to recover investments through Investec obviously for a "fee" has anyone else been contacted by these people as it all sounds like a scam to me.
Savings under 1 roof? The Tesco change?
Ok so looking for an 'under 1 roof' best option with a stipulation. It has to be accessible via online, as in laptop/PC (and not app only). I appreciate this will rule out any Chase offerings. Currently the accounts are held with Tesco Bank as a year ago they were paying fairly decent and it ticked the 'under 1 roof'…
Best apps for teenagers to control their own finances
I've got two children - 13 and 15 and they both want to be more in control of their own finances. A few years ago I originally got a Starling account with 2 children's sub accounts so they could have a contactless card, which has worked quite well and they do have Kite access which essentially is a fairly dumb app for them…
Transfer stock from USA brokerage account to UK brokerage account
I'm having a nightmare with this so any help greatly appreciated! I have some stock in Morgan Stanley from when I worked for a US company. I want to transfer the stock to a UK account, so I can eventually gift it to my wife for Capital Gains allowance sharing, I'm lead to believe once its in a UK account in my name the…
Bond fund yields
I have a few questions about bond fund yields. First, what is the best way to get an accurate forward/distribution yield? Is HL accurate, showing eg 3.97% for Fidelity’s gilt fund? Second, to what degree is there a correlation between a gilt fund and a nominal gilt with a similar duration (or is it the maturity of the fund…
NS&I Index Linkers
I've a sizeable tranche of IL bonds maturing in Feb next year. That will still leave me with several issues under the old terms until 2028 and, as the renewal terms with a lock-in doesn't float my boat, the current plan is to exit all, or most, at maturity.My understanding is that the minimum term, and lock-in, for…
baillie gifford global discovert B acc poor performance
Hi bought a chunk of the above fund (5K) in 2021 and its tanked pretty bad dropping 60% in value since then. I am OK with this as its a small part of a much larger portfolio and was purchased as a gamble more than anything. I am not intending to sell and crystallise the loss as i have no immediate need for the money…
Gatehouse Maturity Options - Where can I find them?
Good morning, my Gatehouse regular saver is due to mature in 5 days & received an email asking me to select my maturity options... Looked in both the app & browser but there is no option to select maturity options... Any help appreciated! Thanks
Try to understand corporate bond
Hi, I sold some share in my HL SIPP and try to get bit safer investments due to my age (not retirement yet, but graddually getting there). I am trying to understand corporate bond as I think for some bonds issued by giant company, it is unlikely to give me a negative shock. for example, bond issued by Lloyds bank (e.g.…
Close Brothers Savings Account question
I opened a Savings account and now I need to deposit some money into it, when I transfer the money it looks I transfer it to a Close Brothers account and they transfer it to my account, has anyone else experienced this?
£5000 starting rate for savings
HMRC have told me that this £5000 allowance does not apply to interest on savings accounts, just on capital gains etc. is this correct? My understanding was that, being on a low income I can earn £5000 interest on my bank/building society savings before I pay tax. Please help!
Is it easy to rationalise and transfer Pensions from Aegon ARC ...do I need an IFA?
Hello All, I'm finally at the point, following a long drawn out sale of late fathers property, where I'm needing to review and sort out family finances. Long story short. 58yrs old Zero Mortgage Early retired (carer for better half who has terminal condition) Living from rental property income, PIP, carers allowance etc..…
Local coin swap
I was contacted by someone from Learnspread about investing. They apparently recruit for Localcoinswap. It is a £250 initial investment, which is converted to Euros I believe. I was going into hospital next day so declined and said I would wait until my discharge. I have a call arranged next Monday to discuss matters. Has…
Savings with Aldermore bank
Hi all I had money left over from my latest wife's estate and with no current need for it I approached Aldermore bank and deposited in a fixed rate 9 month saver which expires February 2025. I have however hit a financial hiccup in my life at the moment so I could do with the cash right now. I have approached Aldermore…
Bristol & West winding up. Legacy demutualisation shares?
Any share-savvy people here? I've received tiny dividend amounts on a regular basis since it demutualised and thought this would continue for ever and a day. However, just received an inch-thick wadge of mail which, cut short, seems to say that this company is being wound up. Does anyone know what's actually going on here?…
Qualifying corporate bonds
Came across this when I was looking at gilts and tax friendly investment. But I am not able to find anything online. Was hoping for a list or some easier to understand language than the HMRC manual or its direct citation. Where should I be looking? Or do they exist at all? Thank you
Where can I invest £4,000
Hi All, can you suggest where I can invest 4K please? What’s the best way in the current climate to invest this? Don’t usually have this much cash to invest somewhere so need to be wise.

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MSE News

Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – 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.
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.

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