The Top Regular Savers Discussion Thread

WillPS

https://forums.moneysavingexpert.com/discussion/comment/81885699#Comment_81885699

I'd be very careful about this approach. The reference is intentionally dynamic.

WillPS

https://forums.moneysavingexpert.com/discussion/comment/81885436#Comment_81885436

Principality Maturity Option Abuse

To be clear - no judgment is intended or inferred. I have several Issue 4s myself.

My point is this is a legal grey area, and thus shouldn't be discussed here. It also seems unwise to even try it any more given they've taken action to put a stop to it.

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81885639#Comment_81885639

They're not launching another Healthy Habits account and Winter Maturity RS to mu knowledge. I guessed the links to the 6 Month RS Issue 5 and RS Issue 37 before they were launched (never applied for them early I must stress, I only mentioned it to give people advanced notice they were going to be launched).

Someone using the same logic rediscovered the application links for the Healthy Habits RS and Maturity Winter RS that were available a couple of years back and incorrectly assumed they were new accounts, that's where that rumour came from.

Archerychick

https://forums.moneysavingexpert.com/discussion/comment/81885564#Comment_81885564

I also need to free up some money soon. This is to get some funds back into my flexible ISA before end of the tax year.
I have the other challenge of not wanting any interest to be brought forward so my plan is to withdraw from the lowest paying first, where money can be taken out. There are a couple I’d like to refresh which includes the Monmouthshire, but I’ll withdraw funds late March, and then refresh it once in the new tax year (assuming it’s still available of course). So sounds like we have the same balancing act to do!

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81885717#Comment_81885717

It's worth noting with Monmouthshire that the account term begins from the date the account if first funded rather than the date opened, so if you apply on, say, 10th March, you could fund on 7th April and have the account mature in the 2027-8 tax year. Skipton's the same plus a handful of others.

Bob2000

https://forums.moneysavingexpert.com/discussion/comment/81885713#Comment_81885713

OK, thanks for that disappointed news. And keep up the good work on here.

UKX69

https://forums.moneysavingexpert.com/discussion/comment/81885662#Comment_81885662

Spreadsheets - now you’re talking! 🤗

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81885738#Comment_81885738

That's worth knowing - I'm always wary with smaller building societies that the account might not be available for long.

EDIT: I've got a note on my spreadsheet saying that Monmouthshire pay interest on 31st March, I'm assuming it's also paid at maturity.

Bob2000

Question.

You open a 6 months regular saver then at maturity open another one same rate what would be your total interest for both 6 month accounts?

Compared to opening a 1 year RS bond issue 37 and funding that with £200 for the full 12 months??

Both Principality accounts involved in my question.

clairec666

https://forums.moneysavingexpert.com/discussion/comment/81885787#Comment_81885787

Much depends on where you're putting the money while it's not in the regular saver. I.e. how much interest you're earning elsewhere while waiting to fund.