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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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Aegon - Online Security Issue?
I’d appreciate views and opinions about a disused financial account please… I once held a Stocks & Shares ISA with Aegon/Cofunds. In 2019, I transferred all funds (and associated cash) to another provider and requested Aegon close the account. Long story short – as of today, I can still login to the online account where…
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Investing in uncertain times and diversifying
I was speaking with someone recently and they scared me with talk about the Iran war and everything happening globally. It made me panic sell my holdings, not at a loss, but I reduced my profit. I had over £300k in index funds. What do others invest in during times like this? I do want to start my own business eventually,…
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Streambank
Another name on the leader board for 1 year fixed rate savings. Anyone got experience of this bank?
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FSCS protection - ISA and SIPP, same fund
If I have the same fund invested in both my SIPP and my ISA and the fund defaults, do the FSCS protections allow max £85k protection or 2 x £85k protection?
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Good sound investment advise
My son turns 18 and has built up £25000 in his junior ISA which comes to an end on his birthday. Going forward can anyone advise what would be good sound to invest this money. We don't mind a little risk in investment.
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Where to keep funds in short term
I would like to know what to do with my S&S ISA funds while I think about how to reinvested them for up to a month? As not earning much interests in ii I was going to put it in a Cash ISA and transferring back into ii. But I have 3 transfer into ii and 3+ weeks have passed and the transfer out providers have said they have…
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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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Great British Invest off or Passive V Active Portfolios
For those who are curious to compare their Passive or Active investment strategies I’m starting a new thread today with monthly updates (Bottom lines only in £). For details see https://forums.moneysavingexpert.com/discussion/5719517 If this thread is restricted to Portfolio constituents only it should make life easier as…
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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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Spreading investments between platforms
I have what is to me a significant proportion of investments on a single platform all invested in ETF's to take advantage of capped platform fees (excluding the JISA which is in an OEIC fund). SIPP is 100% equities (same for work pension and LISA) and ISA is around 75/25 equities/bonds. I held SGLN for a year and a bit…
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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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What are people doing right now?
Hi all, Quick sense check. Currently have £8,500 uninvested cash in a JISA for my 3 year old - so minimum of 15 years until it would be accessed. The remainder of the JISA has been invested in a combination of LS100 and an Invesco all world tracker. Should I just ignore the noise and get the £8500 into the funds now? I'm…
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What counts as income for savings allowance calculation?
Hi all - I searched but couldn't find a clear answer here on the forum (or in one of the articles or on HMRC site). I'm trying to figure out what counts towards your income in the year in terms of figuring out what the savings interest allowance is. E.g. £50,000 PAYE earnings before tax but after pension contributions £…
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Lump sum from will
I will be getting £300,000 from a will of a relative, I don't want to invest it or play risky games with it I just want to get maximum interest on it for the time being until I decide what to do with it. What are my options ?
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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SIPP for stepson
Hi Trying to find the right product but there are so many ! I’ve had mine a while and they aren’t quite what we want Stepson is self employed and a carer for family . We would like to start a sipp for him thinkin a small lump sum under 500 and then maybe a low regular payment what products would you suggest ? thanks in…
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MSE News: Government-backed NS&I's new fixed-rate savings pay up to 4.5% interest
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……
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Change of share registrar
Does anyone know if there are any rules/regulations on what happens to shareholder documentation when a company moves from one registrar to another? I've got shares in SSE, and until Dec 2023 the registrar was MUFG (Link Asset/Signalshares as was), so all my dividend notices and other financial info was there. After Dec…
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Cahoot Sunny Day Saver Question
Hi, Re Cahoot Sunny Day Saver I might be over thinking but, the wording on the website doesn't seem very clear to me. £1 - £3,000 pays 5% interest £3000+ pays no interest I'm guessing that this means that I will get 5% interest on the £3,000 but no interest on the bit that is over £3,000 (Not NO interest on everything…
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Fixed saving rates / bonds
Hello, I'm new to this forum so apolgies if this has been dealt with before. The best fixed savings rates I can find seem to be around 4.5% per annum - that includes MSE. The only alternative seems to be something like Hargreaves London who are offering 6% on a 2 year bond. Can anyone help me understand how HL are able to…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.7K discussions
166.2K comments
Most recent: Barclays Premier 2yr Fixed Term Flexi ISA - have I missed something? by sparkiemalarkie
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