-
Premium Bonds prize rate to rise to 4.35% – how do they compare?
NS&I will increase the prize-fund rate on its Premium Bonds to 4.35% (from 3.8%) for the September draw and beyond. Read the full story: Premium Bonds prize rate to rise to 4.35% – how do they compare? If you haven’t already, join the forum to reply.
-
Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
-
Gains on policies
I hold some with profits bonds, that I have had for 23 years. I understand that the 'gain' is not subject to CGT, but is added to income. I am a higher rate tax payer (nowhere near additional rate!). I don't really understand top-slicing relief - or at least I don't think it makes any difference in my case. The overall…
-
Phoenix Life NISA ‘Funeral Fund’?
I’m helping my 81yr old MIL to sort her paperwork- she’s showing signs of early dementia and seems a little confused about her finances (she has LPA set up ready when we feel it’s time). I found an envelope marked ‘Funeral Fund’, it’s a Phoenix life ISA bonus account- NISA Unitised with profit. I can see she took it out in…
-
Best thing to do with savings ?
I am about to gain around £450k - what is the best thing to do with it ? Bearing in mind that we are already maxed out on ISA's this year - having £200k in a Quilter Cheviot portfolio ISA. I really want to try something else but what ? I understand that you can put £50k into premium bonds - tax free winnings Cahoot…
-
MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.85% interest
NS&I has launched new fixed-rate savings accounts that let you lock in good rates for one to five years with total safety, as NS&I is backed by the Treasury. They're worth looking at if you're keen to save with a big name and won't need access to your savings – though you can earn a bit more from the top payers elsewhere……
-
Different Types of Gilt TN, TR, T, TG and TRxA etc.
I am considering moving some of my cash (held in the RL short-term money market fund) to Gilts as a hedge against interest rate decreases. On the II website (my chosen platform), I can see numerous Gilts with various references; see the title for examples. What do the references mean? Also, if I want to sell them before…
-
A weird phone call about shares
About an hour ago, I got a phone call asking to speak to me about my Centrica shares. I didn't quite catch the full name of the caller. In a loud and clear voice I said "who are you?", then the line went dead. The thing is they knew my name and I do own Centrica shares, held in my Interactive Investor account. Does anyone…
-
Day Trading platforms
I am learning day trading and have been trading in Simul8or for a few weeks with a fair amount of success. I've been watching Ross Cameron's videos and learning his methods. I am heading towards wanting to open a trading account and seeing if I can replicate my Simul8or successes in the real markets. What platforms are you…
-
Saga rejected application
My wife and I have an easy access account with Chase but it is in her name only as she is a non tax payer. The interest rate on this account drops from today so we decided to open a new account with Saga. I phoned them to check if we could open the account because my wife had previously had an account with them and the…
-
Health is important with investing, not just wealth.
I was having a think about investing recently and even compared to 10-15 years ago we have never had so much advice and information at out fingertips regarding investing. Loads of online videos, forums, online journals and you can order investing books online as well. i remember in the early days of Youtube things were a…
-
Cahoot simple saver
Hi all, not sure if this has been said before, apologies if so. I opened a simple saver a couple of months ago, variable rate. Just noticed there was a new issue with a higher interest rate. Why doesn't Cahoot increase my variable rate to the new rate automatically? Instead and only because I keep a close watch on interest…
-
Help. Shareholding in Australia
Hi all I am trying to get a shareholding transferred into my name. Both my late Father and Late Brother had shares in CBA. The shares are managed by MUFG corporate markets. I am the sole executor of both estates.Both Father and Brother died intestate. I have had to use an Australian solicitor to do a reseal of probate in…
-
Saving whilst working overseas
My daughter is currently working in China but would like to put some of her spare money into savings. As I understand it because she’s not resident in the uk any longer she can’t add any more to her existing isa and she can’t open a new UK savings account ? Does anyone have any suggestions what she could do to invest…
-
Tesco Internet Saver – bonus interest
Tesco Internet Saver – bonus interest Hi guys, just wondering if anyone has experience with Tesco Bank. My Tesco Internet Saver was opened on 15 August 2025, so the 12-month period ends today. I haven't received the bonus interest yet. Has anyone else had a Tesco Internet Saver mature recently? If so, when did the bonus…
-
Bad experiences with Cynergy bank app
This is just a heads-up to anyone considering opening a Cynergy bank account (currently featured in the top Savings Accounts listings), to say you might want to check other users' experiences before doing so. In my case it ended in a frustrating, bad experience and me abandoning my newly-created account in favour of a…
-
How to establish share cost for CGT purposes?
This may appear complex, hence the request for guidance. I acquired some shares in 1999 as part of an acquisition of
part of a company I held shares in (The value of my original holding was
obviously devalued at the time). I am now looking to sell the acquired shares, however, I’m
unsure as to what share price can now be…
-
Vanquis Fixed Rate Maturity
My one year fix ended today. I gave them instructions to pay out to my nominated account a couple of weeks ago. At 8 this morning they confirmed they sent the money, but nothing showing at HSBC yet. Is this normal? I'm used to payments being virtually instant these days, so slightly perturbed, as it's £50K plus interest.
-
Why does Marcus by Goldman Sachs want inheritance documentation for opening a 4.90% fixed bond?
They asked for a bunch of documentation as proof of inheritance when I tried to open the account and chose inheritance as source of money, now I'm worried the product will get pulled while they get around to checking my uploaded documents, however long that takes. Maybe next time in future I'll just pick Savings as source…
-
How Trustworthy/Safe is Moneybox?
Hello, I opened an account with Moneybox over a year ago, with the view of saving via their Lifetime ISA. it makes me quite nervous depositing money into it, as in it just appears less safe/secure than a bank! If anyone can provide advice or assurance on this it would be very much appreciated.
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
22K discussions
169.6K comments
Most recent: Can I pay into my adult child… by Keep_pedalling
Today at 8:19AM
