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Savings & investments

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

Sharesave maturity issues
Hello, My husband has a sharesave account that matured on 1st September with Signalshares. He opted to closed the account and take back what he had put in. He has done this for other share saves and got the money within 5 days. However, he is still awaiting. The account has been closed but no money is forthcoming. His…
Regular Saver strategy - maximising returns and reinvestment
Since I'm a newby to this money lark, I wanted to test my developing theory/plan with others more experienced as well as park the theory/plan for other newbies to consider, as they embark on their own MSE journeys. My plan here is all about making best use of the regular savers out there which encourage monthly savings up…
NS&I
I'm having trouble putting. Money into my premium bond account. I paid some money in. Only for them to pay me back the next day. Also you can't talk to a human on the phone.
Organising resources - sharesies?
I have been creating several different monitoring spreadsheets, trying to work out the best way to plan and track my savings plans and movements, but as I run further and further into the MSE rabbit warren, the things I want to track keeping increasing!! So given there will be a strong community of people managing all…
Capital Gains Tax changes in the October Budget
I am in the process of selling my business, which will act as my retirement fund. I can complete the deal at any stage over the next 6 months. If I complete now I will pay 20% CGT. If I can wait until April 2025 I will have been with my company for 2 years and be able to claim Business asset disposal relief and pay tax at…
Saving for Grandchildren
Hi All, My mum wants to setup and manage a savings account for my two kids. She has suggested making an initial deposit of £100 into each account and then adding £5 per month, hoping to increase this at birthdays/Christmas. Is this possible and what are the best options? Thanks in advance.
Virgin Money Headstart a/c
Not a lot of point in Virgin Money offering a Headstart a/c when they clearly don't have the staff, or the inclination, to open 2 accounts for customers! Some time ago I rang to ask if I could transfer existing Virgin Young Saver accounts into Headstart a/c's. Told no, have to open Headstart like a new customer first. Even…
Investment Advice
What's the best investment route to take with around £20,000 capital? Looking at Stocks and Shares ISAs with Vanguard and investing into S&P500 and FTSE, if this is a good idea, would it be better to drip feed monthly or lump sum investment? Any ideas/advice welcome, thank you.
Using spouse cgt allowance
To take advantage of the annual cgt allowance if one spouse wants to sell assets with total gains over the annual cgt allowance they can gift some of the assets to their spouse so the couple can use both their allowances. In the case of funds, etfs, stocks on a dealing platform in the name of one spouse, how does this work…
3year savings account
Hi looking for some advice and recommendations on opening a savings account. I have a 3 yr plan to pay off my mortgage which is fixed until 2028, currently making overpayments but can only make overpayments of 10% of the mortgage balance each year, any overpayments made above the 10% will incur a charge. I plan to open a 3…
How to declare 'return of capital' from an investment on self assessment?
I've received a 'capital distribution' from one of the stocks I own. I'm not sure how to declare that on self assessment? Should I treat it as dividend, capital gains or in any other way?
Intrusive Questions, If Not Answered Account Closed, from Chase Bank?
I’ve been with Chase for two years…….BUT….Chase are asking me very intrusive questions. Obviously my name, citizenship, income, home address and residential status. I’m perfectly happy to provide again. However, they’re asking me if I’m employed, self-employed or a business owner and when I choose one of these options they…
£60k Savings for a child!
We're trustees (bare trust) for the inheritance for out 2 grandchildren, we've had it for 8 years. The oldest will be 17 next year & one a/c holding £44k will have to move (it's in a 30 day notice a/c earning 6% only up until the age of 17). We're less interested in interest rate, just in where we may safely move this…
Retirement Planning / ISA Advice
Morning Forum - advice please. The majority of my life savings (around 200K) are held under an ISA with Royal London, comprised of the following three active funds; Royal London UK Growth Trust Royal London Sustainable Leaders Trust A Royal London European Growth Trust A I also have a Vanguard ISA, comprised of the FTSE…
Cynergy Bank Maturing Bond
I hold a bond with Cynergy Bank which is due to mature on 22nd October but Cynergy won't allow me to give them my maturity instructions on the mobile app. I can no longer use the authenticator because it locked me out a few weeks ago and when I called them they said it would be easier for me to use the app. I'm worried…
Lost shares?
I have some shares ( paper certificates) and trying to find out how to sell them. Having looked up the company I have shares in I read it’s privatised on the London Stock Exchange as a private Ltd company with 2 companies owning 100%. Do I still have shares to sell or have I somehow lost my investment?
Sell Gold
I have two wedding rings that aren't hallmarked, resized several times, but were made from a 9 carat ingot left to me and a hallmarked chain I was looking at selling. On the real deal TV show it said you could take them like any dealer to somewhere, not a cash for gold site, but s location presumably in London. Is the lack…
Child trust fund
When my daughter was born she got £250 in test form the government which we were told how to invest. She has turned 18 and it’s now worth £4!!! How can that be. Why has she lost all the money? Should we have done something with it? Any advice?
Creating a passive income from £300k for daughter?
Our daughter (22) is graduating next year and due to her career choice (the arts...) is unlikely to earn much, if anything, while she tries to establish her career. She's extremely fortunate, however, to have an inheritance 'pot' of c. £300k as a result of grandparent deaths. It's currently held in shared property (about…
Zopa
Does anyone know what a Zopa Growth Bond is? I have one but Zopa are unable to help

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
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.

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