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Savings & investments

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

Hampshire Trust Bank (HTB) new portal
Seems they upgraded their online portal over the weekend and now need all customers to re-register.Pain in the !!!!!! and also doesn't feel secure registering all my details again. How have others found this process?
Gold investment - strategy for avoiding CGT
Hi there! I'm looking for some advice or thoughts on investing in gold. A few years ago, I bought physical gold through BullionVault, and it turned out to be a good move. Now, I'm thinking of selling that and investing in a gold ETF through my ISA instead. I'd need to sell the gold gradually to stay within the £3,000…
Distribution currency from ETFs
I'm helping my Mum re-shuffle her S&S ISA to help produce an income for her. I'm thinking of splitting the portfolio between global equities, WP trusts and bonds. I'd prefer to aim for a total return strategy and draw income manually from the income and selling, so not interested in high yielding equities. I have a few…
Share record display
How are shares displayed by various outlets when there is a devaluation or such thing?I have Marlowe PLC in my SIPP, they have gone from 430 when I bought them, but they are now @ 305 yet I am in profit.So I guess there has been some sort of revaluation, although it is common for HL to display the wrong price.So if I am…
Charter Bond Maturity?
I have a fixed rate bond maturing in 2 weeks with Charter. They emailed me yesterday to say that I can choose what to do with the funds, through “maturity options” when I log in. When I do this it gives me about 5 different accounts to choose from , one of which is an old easy access issue 38 it does not give the current…
BRICS
I am seeing a lot of new stories in relation to the expansion of BRICS, including one last night that claimed the BRICS volume could now be larger than USD. My question is what (if anything) does all this mean to us, our savings, our pensions etc.?
What are the benefits of ETFs over Mutual funds?
Hi, I invest on the Vanguard platform. What are the benefits - if any - ETFs have over the mutual fund equivalent? Ive always select the mutual fund 'flavour' becuase I dont want to pay the £7 fee that Vanguard charges. I dont need my deal to be actioned immediately, and happy to wait for whenever its next traded (twice a…
Yorkshire Building Society Bond
I have invested money in a number of global index tracking funds and would now like start investing in bonds. I came across a bond issued by the Yorkshire Building Society. It appears to offer Structure:Fixed Income/Fixed Rate BondCoupon (%):13.5000%Coupon type:Fixed CouponCoupon frequency:Bi-annuallyRedemption date:1…
Why don't gilts attract CGT?
Is there a technical reason ? or could a govt change this policy on a whim...?
Savings accounts accepting DD's
Current list accepting new customers: Post Office Online Saver (can only DD in from one nominated account, sketchy customer service feedback) Chip and Plum (app based) (Chip phasing out DD functionality) Birmingham Midshires Internet Saver Account (2 possible DD's - one of each of the yearly and monthly interest account)…
Bond funds for an etf portfolio
Hi, I'm currently holding a fair wedge in mmf's which are providing both a reasonable return and reducing volatility. Going forward as interest rates drop I'll be looking for move into longer duration funds, possibly a mix of short dated and intermediate. I'm interested in what others hold in the fixed interest part of…
How do Gilts work in practice?
Hi, I’m just looking at gilts, and wondering how they work. For example Treasury 6% 07/12/2028 GBP | GB0002404191 | 0240419 Price 111.740 GBP I think this means that this is a £100 product, with a current price of £111.740. So I pay £111.74, and receive interest each year of 6%. This is based on the original price, so…
FSCS: How you’re protected on savings, insurance & investments discussion
This discussion relates to the FSCS: How you’re protected on savings, insurance & investments guide.
Savings opinions on my situation.
Good morning, I am after some opinions what i should do in my situation regarding my finical position. My situation - I am 43 years old. I am married, 2 young children with my own home. I earn £70,000 annually and receive a tax free monthly pension of £1100. Debt - Mortgage - £300,000 at 1.54%, rate runs out Oct 27. From…
Best Building Society/Banks
Due to an inheritance I need to look at opening a couple of accounts with different building societies/banks. I am more interested in the security of the £85,000 protection and service than rates. That can always come later. I was looking at the N&S&I but have seen another thread on the forum saying people have had…
Investec 90 day notice account
I’ve read about this in the MSE weekly email. If depositing can you give instant notice by initiating a withdrawal so it will come out 90 days later? Importantly do you still get the full interest for the 90 days even if giving instant notice after depositing? This sounds interesting, however I’d want to give notice right…
Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go. As Cynergy only have to notify you if the…
Current Account For Son
Hi, My 23 year old son has just started his grad job and will be taking home around £2K per month. He's living with us and has no debt or balances to pay off. He has a Santander account he setup during his 1 year student industrial placement which earns 0% interest but is looking at switching to an account in which he can…
Can your investment ISA also be your emergency fund?
Hello Can you please give some guidance. Can my investment ISA also be my emergency fund? eg I have £1k in cash easy access, but I want to start building up a fund for my kids uni costs etc. Every month I want to put it into my investment ISA. What are the disadvantages of also keeping this long term fund as also my…
Buying dollar-denominated investments as a hedge against a weak pound
Sterling has done very well vs the dollar over the last two years, up from a low of $1.08 to $1.34 I'm not optimistic on Sterling over the next few years. Also I view the upside as limited but the downside risk as far greater (in other words I could imagine a run on the pound but don't think there's too much chance of…

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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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