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Savings & investments

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

What to do with daughters money?
I have an idea what to do after absolutely minimal research but just putting it out there for advice on the best way to go. Daughter - 20, working full time, just above minimum wage but potential in the future for increases as she gets trained up. Lives at home, no debt at all, currently saves a few bits and pieces but…
Pension contribution
Hi Want to make lump sum additional contribution to my pension before the budget. I am basic rate tax payer and earn 27k plus 5k on call payment so the way I understand it can I pay 32k into my pension ? Do I need to account for my monthly pension contributions in this sum ?
keeping money in WISE
I'm getting some euros soon from a house sale in spain was wondering has anyone kept a fair chunk in a separate wise JAR on STOCKS I'm thinking of £10k and the rest in a savings acount. The interest in wise stocks acount looks really good. Does anyone do this? And how risky is it. Tia
Using savings platform for elderly parent
Hi My 93-year-old dad moved into a care home in the summer and the sale of his house is currently going through. My dad is pretty OK mentally but I have full PoA and manage all his finances. When the money from the house sale comes through (£c250k) I’m looking at where to invest it to generate income to help pay his home…
Tips on buying and selling gold for the short term
Hey everyone! I have some disposable income each month, and I’m thinking of putting it into physical gold. The reason I want to invest in gold is that it should be easy to convert back into cash if I need it quickly. Plus, since it's in the form of bars or coins, it’s not something I can easily spend like my regular…
SIPP fees and possible transfer
I have my SIPP with ii - ive gone over the 50k mark - and fees have doubled from 5.99 to 12.99 pm - if this turns out to be expensive (im going to look at other options now) is it difficult and or costly to move it elsewhere? I just have noney in a global HSBC fund
Anyone else having issues logging into NSandI?
Just tried via Safari and I seem to login ok but as soon as click on anything it says logged out as you pressed back button (I didn’t). Then tried in chrome and it gets to OTP entry and thendoesnt even log me in but refreshes back to login page.
How do you interpret "Interest is paid annually" for a savings account?
Hi All, A quick question - if you're about to open a savings account like this one today and it says "Interest is paid annually" here, when would you expect it to be paid next time?
ZOPA WITHDRAWALS
Anyone else having problem with Zopa withdrawals today. Still showing as pending a couple of hours later.
Govt Child Trust Fund
I had one child given 2 amounts and the others only received the one payout due to date of birth. I invested all in same places and took guidance from MSE, moving them around about 5 times. One ended up under £700 and the other 2 around half this. I am a bit bemused by hearing that some ‘children’s’ are worth nearly £2k. I…
SIPP annual allowances
As i understand it the SIPP contribution allowance is 100% of income up to 60kSo for a self employed person the income figure is their taxable income which may include savings interest too?
Trying to Locate Old Cheltenham & Gloucester Account
My father setup a savings account (as trustee) for my son with Cheltenham & Gloucester in the late 90's. Since my father's death a few years later we have lost track of the account. Given Lloyds TSB took over the C&G accounts but then split in 2013, it could be with either. We have contacted both TSB & Lloyds (along with…
Upcoming budget - how soon can measures take effect?
There's a budget coming up on 30 October. As a rule, how soon after a budget do measures announced therein take effect? I don't mean unavoidable things like fuel tax rises but costs that we can take steps to avoid. Would there be time to take those steps after the budget before the new measures kick in or should we now…
Any eToro users - significant changes to fee system to be aware of
In case any eToro uses here. They are adding flat fees for every stock trade from August 11th. UK and EU customers do not all appear to have the email yet, but US ones do, but it applies to all users. Charges are $1 to open or close a trade. So $2 to open and close a position. Sounds like it is very little, but they have…
Understanding HL fees
I've got a SIPP with HL. I read this page: https://www.hl.co.uk/help/income-and-fees/fees-explained/annual-charges Now, in the SIPP section, it says I pay 0.45% on my first £250k. Let's say I have £250k in a SIPP, that would be £1125 p/a in fees. However, someone told me that if that SIPP is invested only in either shares…
Question about Corporate Bond funds
Hi, a newbie here and I'm just wondering if people agree with my analysis? My income portfolio has a higher percentage of equity based funds and trusts, such as City of London Investment Trust, however I also hold some bond funds; Royal London Sterling Extra Yield Bond, Henderson High Income and Invesco Bond Income Plus.…
Investment with Meteor Asset Management Ltd via Financial Options (Isle of Man) Ltd
In June 2008 I invested £100k in a Structured Product from Meteor Asset Management Ltd via my IFA Financial Options (Isle of Man) Ltd on an advisory basis & they classed me as a 'Retail Client'. The Product Terms & Conditions stated the counterparty bank would be "S&P A+ or equivalent from a similar ratings agency" (the…
Capital gains and lost paper trail
Hello, I'd be grateful for some advice. My husband has made some capital gains on shares. However the original sums were invested over 25 years ago. They have passed through multiple brokers and he does not have a record going back so far. What should he do?
Help with transferring shares from my late father...
My father passed away back in May, and the probate process has just completed. My father had shares in a few companies (about 8 companies). My late mother who passed away in 2020 also has shares in the same companies (I also have grant of probate for her estate). I have the Shareholder reference numbers for all of the…
New APP payment protection scheme rendered pointless due to fineprint?
I received an email today from HSBC describing the new APP (authorised push payment) protections financial institutions are now required to provide. In a section for "What the new rules won't cover" is this bullet: * You've ignored warnings provided by us or the police that the payment was likely to be a scam. While that…

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MSE News

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.
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 Payments 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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