Savings & investments

Anyone sign up for the MSE inspired Santander Invesment hub offer in August 26?. I have a "Confirmation of Registration" but no voucher. How do you get it?.

Managers of active bond funds ask two basic questions: what is the risk of this company defaulting, and what does the yield tell us the market thinks is the risk of default? If the manager thinks the market overstates the risk, he is a buyer. This is essentially a mathematical exercise; I doubt fund managers sit down with…

Is anyone else having problems login into their Cahoot accounts this morning ? I’ve been unable to for the past 15 minutes as no One time Passcode is being text to me in order to login Never had this issue before in my 3 years of using Cahoot

Hi folks, 4 of us want to buy a house, but we need to save for a deposit. I read on MSE that there is a new ISA thingy coming, that should be specifically for that. Until that happens, what could we get to start saving now,that would allow us to transfer everything into the new ISA? We don't need/want access to the funds…

Hello you very wonderful and amazing individuals that make up this forum. I sincerely hope you are doing well and keeping positive. I am kindly interested as Amazon started to grow online, after selling online books and expanding into lots of different category's, how would it know where to distribute resources please. I…

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……

Anyone know how strict Santander are for the opening rules around this account? https://www.santander.co.uk/landing/savings/first-home-saver It seems essentially a standard 2 year savings account designed to accumulate a deposit for a first home. A young family member (mid 20s) previously inherited a share of a property,…

I'm talking when you cant shield it with an ISA due to allowances… what are the options? Some say premium bonds as its a tax shelter, however returns arent amazing. A standard savings account say 4% minus tax is only going to return just over 3%. So why not , if you are willing to have some risk, use a GIA and an index…

Does anyone have a view of the merits of Vanguard Lifestrategy 80% versus Vanguard Life Strategy global 80%. The global version seen to new to have any performance data. Thanks,

Hi, just wondering if anyone had any advice. My grandfather passed away recently and left an assortment of Bass Brewery Stock Certificates. I know the company went through the following changes; In 2000, Bass changed its name to Six Continents Six Continents (6C) was then split into two companies in 2003 - InterContinental…

This thread is to discuss the Premium Bonds: Are they worth it? article Also see the Premium Bond Probability Calculator to discuss the calculator specifically see the Premium Bond Calculator Discussion. To take part, click reply.

Is it correct that as a single person with no children, that I will only have the £325,000 inheritance tax allowance? Seems that those inheriting my estate will be penalised for my life choices.

Just had this mature today, but can't open another yet, how long do i have to wait?

I am looking to open another Santander Edge Saver account, please can someone remind me how to do this so I can open another ? I think the last time I did it was via the phone and wait for the account to be closed and reapplied?? Is this the way to do it or quicker to do it via chat bot, please?

Hi all, I’m looking for some guidance on what is best for me. I have £29000 in a Fixed 1 year cash ISA which is with Halifax (now Lloyds) only at 3.64% and locked away until 16/3/27. I have two new regular savers, one with Chase at 6.5% which I’m paying the max of £300 per month, and one with Lloyds at 6.25% which I’m…

Is investing in Bitcoin really worth it or is it all just a scam ? 

Hi all. I have a saving account with Chase which I keep around 30k in. I get interest paid on the first of every month and the account is 4.5% AER Boosted. At the end of August I had 31k in my account. On the 1st of September I put in £1000 and made no withdrawals during the month. I checked what interest I had earned this…

Hello. Been years since I was here So I had a big win on my bonds and dont know what to do with it. My isa is maxxed, no mortgage and am a basic rate taxpayer and our house is up for sale. House market is sluggish and that win was to add to my house sale to buy a bungalow. Its in our current account but it could be sitting…

I was planning to open one on 7 October. If I chose the compounded interest option as it’s not available until the end of the six month would it be taxed in the 2027/28 tax year?

I noticed today in my Chase app that JP Morgan have a promotion for new users to their investment platform that sign up via the Chase app. They are giving a £100 reward if you manage to deposit and keep £1,000 invested between 5th May 2026 and 5th May 2027. I mainly use and plan to continue using Trading 212 as my primary…