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The New Top Easy Access Savings Discussion Area
This thread is for discussion of the Easy Access Savings Guide A previous version of this thread which ran from Nov 2007 to June 2024 can be found here: https://forums.moneysavingexpert.com/discussion/596724/the-top-easy-access-savings-discussion-area/p1
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Save £12k in 2026 challenge (or any other amount to challenge yourself!)
Here are the details below of the savings challenge @enthusiasticsaver and I have been running this year and will continue to run next year. This is the new Challenge thread for savers in 2026. The aim is to get more people saving throughout the year and this thread gives a space for people to record and track their…
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The Savings & Investments Sticky
FCA Unauthorised Firms and Individuals List The Top Instant Access Savings Discussion Area How much can you save? Share Dealing Discussion Area Regular Savings Accounts: The Best Currently Available List! Top Child Trust Funds Article Discussion Area >
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Pension and investing.
I've got a PP with 90k in and ive approx 60k in cash to invest. I have spoken with an IFA about how to manage these as I want to generate about 500pm, to add to a work pension thats already paying out. I've got 5 years until I get my state pension. I got the distinct impression he was reluctant (somewhat) to take me on. So…
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TSB now part of Santander
Just received this by email from CEO of Santander UK:- I’m writing to you as the new CEO of Santander UK. This is one of my first opportunities to write to you directly, and I wanted to personally share some good news. TSB has now become part of the Santander group This development strengthens our position as one of the…
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Short term gilt yields
I’m trying to understand how the forward short term base rate is reflected in gilt yields. My starting point is https://www.bankofengland.co.uk/statistics/yield-curves > Latest yield curve data > OIS daily data current month > fwds, short end / fwd curve. It shows six months forward at 4.24%, 12 months forward 4.37%, 18…
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Cahoot Sunny Day Saver / Simple Saver
Hello. New to the forum and beginning to start thinking about investments. I have read different things on this but I was wondering if someone can clarify this - I'm thinking of opening up a Cahoot Sunny Day Saver as an easy access earning 5% (max it to £3k) and a Cahoot Simple Saver (where I suppose the rate of 4.17% is…
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Premium Bond Winner ?
im interested in winning premium bond holders , or not as the case may be , please post your winnings and holding as well as length of time held , i have a theory that newer bonds win more prizes , id prefer not to make this a discussion area of that arguement but i would be interested in your winnings just a bit of…
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Any advice on which investment app to choose?
Hello all Over the last few months I’ve been doing lots of reading about investing to try and get a basic understanding of things. I’m now at a point where I’m about to open a Stocks & Shares ISA and start investing some money. Having looked at the websites of various investment apps I’ve narrowed it down to Vanguard,…
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The Top Regular Savers Discussion Thread
Welcome to this thread The main purposes of this thread are two-fold: To provide a list of the top regular savers currently on offer To provide a place for all forum users to discuss regular saver accounts and ask any questions about them that you may have This thread is intended to complement Martin Lewis' article which…
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No UK equity income ETF
There are equity income ETFs for Europe, the US, emerging markets, global... but I can't see any for the UK. Why is that? Surely there is demand.
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My S&S diary - investing from February 2026
After sitting to learn about investing into the stock market, I finally jumped in. The 6th of February 2026. I am writing the diary for myself to remember the journey. I could see that I, probably the same as others, tend to only feel comfortable to tell others about what we do, when we are doing fine with S&S, and choose…
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Closing old Coop Smart Savers
My Coop RS matured today and rather than paying the money into my existing Smart Saver (with a zero balance) they created a new one. I guess it's the same account number just a different name and rate. Anyway I've moved the money away, and requested a new RS, but can't figure out how to close the 2 redundant Smart…
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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Cahoot simple saver interest rate
just opened a cahoot simple saver as tops well know bank savings interest at this time. It advertises, as does the confirmation email, a 4.17 are interest rate. on opening the account, it now shows 4.07%, it doesn’t state if that is see, simple rate. On contacting them, it’s the simple rate as getting paid interest monthly…
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AJ Bell removed fees for regular investments
From 1st May
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NS&I website login problems with telephone code
Anyone else had this problem? Entering an on-screen six digit code via telephone is the second part of the two-factor authentication process to log into NS&I accounts. It's the part that usually goes wrong and prevents me from logging in. This issue has plagued me for months and has never worked consistently. There's no…
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The Cashback for Bank or Investment Accounts Discussion Thread
What's included in this list? This is a list of cashback offers that might be of interest to forum users, focusing on: * Savings accounts including ISAs; other bank accounts may be included too * Investments including pensions, but note there’s already a related thread on the Pensions board * Offers you can get in addition…
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Large-ish transactions in Gilts / ILGs
I'm likely to be buying and selling some Gilts/ILGs soon. The amounts will be close to £100K type of thing. The platforms are Iweb & AJ Bell Is there likely to be much benefit pricewise in making as big a transaction as possible? As you can't see the settlement price on these I'm tempted to break them down into a few…
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Teachers Building Society - Teachers Savings eligibility
Does anyone have any experience or insight into what Teachers BS define as "education professionals"? I'm employed at a university but in a non-teaching role. Would I be okay? I did look through their website but couldn't find any real details. Perhaps they acknowledge some ambiguity is helpful...
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Nationwide 1Y Triple Access Saver - can I change account before 12th month?
Hi Everyone, I just wanted to double check one information. I opened Nationwide 1Y Triple Access Saver about 5 months ago, it currently gives me 3.5% (I haven't used any withdrawal). I can see that they've got a new account that gives 4% currently. Can I just open the new one and transfer my money without losing the…
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Tembo HomeSaver Account 5.75% - advice/thoughts?
Hi, I saw this Tembo Home Saver Account advertised online. Link at end of this post. Would welcome anyone's opinions on the account, including safety of any deposits with Tembo? The account is for depositing a maximum of £20K - so well within the FCA protected £120K limit. And their site says savings are protected with…
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Savings interest
Apologies if this is in the wrong forum, I need some help to clarify interest on savings and how much I can receive before I pay tax on it. My situation - I don't work as I am a carer, so receive carers allowance weekly, have done the marriage allowance transfer to my husband. We have some savings and they are earning…
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