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Flexible ISA
Struggling to find a flexible ISA provider where direct gilts are available … Freetrade - very small conventional gilt selection, no ILG Trading 212- None, ETF only Lightyear - None, ETF only Fidelity - None, ETF only Barclays Smart Investor - Possibly but didnt like the lack of app functionality so transferred out Any…
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Emerging markets allocation (revisited)
A short while ago there was a thread here discussing Emerging Markets Allocation (https://forums.moneysavingexpert.com/discussion/6672348/emerging-markets-allocation ) that was closed at the request of the OP shortly before they left the forum. I though that the research that was linked in the first post of that thread…
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Ditching Premium Bonds for a while
2nd Month with zero on 50k so having a break I want monthly interest so was going to stick it in NS&I Guaranteed Income Bonds. Anything else out there better for monthly income ?
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TSB now part of Santander
Just received this by email from CEO of Santander UK:- I’m writing to you as the new CEO of Santander UK. This is one of my first opportunities to write to you directly, and I wanted to personally share some good news. TSB has now become part of the Santander group This development strengthens our position as one of the…
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Can I stop submitting Self Assessment if only for savings interest?
Hi Everyone, Just trying to check my understanding is correct. For many years I've submitted an annual self assessment tax return purely for the purposes of paying tax on savings interest (over the PSA). For some reason I was under the impression that I needed to do this regardless of the amount. However the current advice…
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High Yield Savings Rate Comparison Tool Table List
This link will always be the same, linking to the latest version What started as a simple list got way out of hand very quickly. 2 days later and lots of coffee and the first instance was live. It's a table comparing the best savings rates available with built in calculators (if you get the excel version). Especially…
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ISA v Savings
Hello all, I have an ISA with 20K in it and the year bonus is ending and the new rate is pants. I was looking at moving it and the best transfer rate I can get is 3.6% (so yearly interest is £720). I can open a new savings account at a rate of 4.5% which will generate £900 interest. When I pay tax on that I will be left…
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CSH2 and new ISA Rules on MMF's
So with the new ISA rules coming in next April and the stipulation that savers cannot have all their investments in MMF's if they want to avoid the taxman, I just wanted to double check that CSH2, being an ETF, is definitely not considered to be a form of MMF under the new rules, given it tracks the SONIA rate etc...
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Anyone else have issues with NS&I BROWSER login?
I suppose it wont be an issue after this month when the Halifax £5 stops but I'll ask anyway. Often when I go to log in to do the £500 transaction I put in my details - customer number, password, name, hit login, it goes to authenticate and then i takes me back to the login page so that i have to enter all the info I've…
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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…
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Savings- ISA?
Hey all, I'm looking for some advice about opening some savings accounts. I have a chunk in premium bonds, but I'm not impressed with how much winnings I'm getting and would like to move it somewhere with higher interest rates. I want it reasonably safe and accessible though. Then is another chunk of cash that is currently…
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Redundancy Payment & Saving
I'm due to receive a hefty redundancy payment next week, and umming and arring over how to save/invest it. The plan is to put a chunk into a savings account where I can 'pay' myself each month into my current account a salary equivalent to I was receiving each month in a job. The rest will be split between Stocks and…
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Using Lemfi for savings. Any feedback please
Hi, recently Which recommended LemFi for a great (clean) EA savings rate - 5% inc. bonus - via their App. FSCS protection by Clearbank. Does anyone on here have any experience of them please ? I'd like to place quite a lot of money with them. Cheers. Joe
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Monmouthshire BS Deposits
Anyone know if there's any known issues with depositing funds recently?, I ask because I sent £1 to my easy access account at around 1am yesterday and it's not shown up yet.
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Oxbury
Anyone having trouble getting logged into Oxbury??? Unable to log in. App states unable to connect to Oxbury and no reply on phone at bottom of emails
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Zopa to Oxbury
Hi all….1st post here …bear with me if in wrong thread….long story short…tried to move my money from Zopa to Oxbury…Oxbury not under open banking connections…so entered manually…Zopa has asked for Oxbury statement to verify before transaction can be approved..!!! If that makes sense….
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Revolut Instant Saver 5% rate not available after opening account for £20 reward
As stated in the title, I have just opened my Revolut account with the free Standard plan, hoping to get a £20 reward after spending £20, as suggested in the weekly email. The other perk is supposed to be access to an instant access savings account with a promotional rate of 5% until 4 December 2026. However: With my newly…
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etoro - Market gains without risking what you put in
Is anyone familiar with this, or similar offers? capital protection account I received this marketing email from etoro which piqued my interest. It claims that if you remain invested for 2.5 years you're guaranteed to get out at least what you put in, but possibly more. The investments are 50% in equities like S&P 500,…
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Interest on non ISA savings
Although my salary is slightly into the 40% tax bracket at £53k, my workplace salary sacrifice lowers the salary to about £46k. Does this mean that any non ISA savings interest I earn is taxed at 40% or 20%. I try to keep the non ISA interest to below £1000 per annum by using ISAs. I don't have any other earnings apart…
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The Faster Payments Cut Off Times List
Welcome to this thread. The purpose of this thread
is to provide a regularly updated list of the cut off times for faster payments
made into the savings accounts offered by various banks and building societies
to begin earning interest the same day. Given the sheer number of banks/building societies
there's bound to be…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
