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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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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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How & when do you stop running your winners?
I'd been thinking of de-risking for a while and last year when Trump did his April tariff thing I decided I didn't really want to be hanging off every word he said so after the initial bounce-back it was the catalyst to sell what was, at that point, a 100% FTSE Global All Cap ISA down and reinvest in equal amounts of the…
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Santander/Cahoot sites under maintenance for 29 hours (apparently!)
I don't know exactly what you'll be able to do or at which times, but this epic period of 'overnight' disruption is 'overday' too!
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Best use of leftover company net profits when plan is to buy? SIPP? SSISA?
Every FY I can do the following: Max out basic rate dividends (37.7k) Pay myself salary to cover NIC (12.5k) Max out LISA (4k) Invest in SSISA (8k) and then usually have about 100k net profits left in my company accounts in a 1.4% AER savings account (after corporate tax, vat, and paye tax is all paid) My short term goal…
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Natural yield vs. total return
Heading into retirement I tweaked my portfolio late last year so most of our income needs come from yield on savings, bond funds and equity funds. I recently watched a YouTube video by James Shack (aka the man in the kitchen) who said it makes no difference whether you go for natural yield or total return because, when an…
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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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Freetrade 1% Cashback on S&S ISA Transfer.
ISA Transfer was completed abouta month ago and the offer rewards tab on their app shows this … Has anybody else completed the transfer and hsve a tick for point 2 above? Transfer is definitely covered for the offer…
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Should I sell my gold
Hello I have a solid gold necklace that was valued at 8k. Having looked at the price of gold today it's much higher. I rang the place who have now increased the value to £9,200 and will buy it from me today at that. Rang a few others to check and it's the same offer. I have kept the necklace as in my head it's been money…
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Quilter Platform unavailable?
Hi, I just wondered if any other Quilter platform users where able to access the platform at the moment? Despite not finding ANY indication that the platform is down for maintenance, it appears to be unavailable. The URL I'm presented with when navigating through the Quilter home page to login is:…
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Co-Op Regular Saver matured but no interest?
My Co-Op regular saver matured today as per the email I received and turned into a Smart Saver. Their website says interest should be added upon maturity. What's going on? Has anyone else seen this?
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Cahoot's transaction limits
My Cahoot Simple Saver is ending this weekend. Does anyone know what's the daily withdrawal limit and does the whole weekend counts as 1 day (like with Ulster and probably some other banks). I can't find any of this info in Cahoot's t&c.
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Cahoot a/c upgrade
Apologies if this is old news and I'm late to the party but had my eye off my savings for a while, but my Simple Saver 12 months expired and saw for the first time the Account Upgrade option which basically keeps all the same account info be signs up again for another 12 months at the 4.40% AER. How simple and how useful…
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saye shares & CGT
Hi, I'm retired but have a sizeable amount of money in shares, saye shares through my employer long time ago. I have know wish to do anything other than cash them. My question is; do I still have to let HMRC know through self assessment if I sell shares with CGT below the £3000 limit? Is it only if CGT exceeds £3000 you…
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Taxed on savings from sale of my house
Hi all am looking for some advice. I sold my house and left the money in the bank. I have a few saving accounts and isa. This week my tax code changed in work an due to savings amount. I don't earn a great deal hoping this would go towards my retirement as I don't have a pension at the age of 55. Anyone have any advise on…
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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 MSE 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…
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Flexible ISA confusion
If I deposit £20,000 in to a flexible cash ISA during tax year 25/26 and then deposit £10,000 in the next tax year 26/27 and then withdraw the full £30000 during that tax year to put into a savers account elsewhere can I put the full £30000 back into the flexible cash isa before the end of that tax year? Also, does it…
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Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
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Nottingham Building Society site under maintenance for ca. 60 hours (Really!)
... and all their branches are closed tomorrow, Saturday 07 March 2026
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Investing £30,000 and €20,000
Hi, I would like to invest £30,000 and €20,000 (or the roughly £17,500) for long-term growth. Last year I invested some euros with Trading212 which was suggested in the forum. A relative helped me choose what shares to buy, but now it's not possible. I don't want to use a platform where I need to decide myself how to…
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Brewdog Shares
So never had it been cheaper of late to buy some shares. Resellers have these listed for £12 a share, brewdog last offered them for £25, and the last investor sale round sold them for £15. Given they are an unlisted company, it’s difficult to truly value the price of a share. You could take into consideration the online or…
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