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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 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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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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Spooked by ongoing sharp decline in value of investments - should I cut my losses?
I started investing in early January. So far my only investment has been in a Stocks & Shares ISA. I bought shares in a well-known global index tracker ETF which has been recommended on MSE and elsewhere. I knew at the start that the value of investments can rise and fall, however I have been somewhat alarmed at how…
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HMRC Tax Code Notice "less untaxed interest".
On my Tax Code Notice for 26/27 there's a three figure amount under "untaxed interest" in the tax-free amount. I'm a complete novice in these matters, but I'd like to avoid this if possible. I assume the figure refers to interest I am receiving from an easy-access savings account I have with (at the moment) about £20k at…
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New HL fee structure from 01/03/26
Just spotted that HL are bringing in a new fee structure from the 1st March. The details can be found via https://www.hl.co.uk/accounts/fee-changes but some of the main changes are: * Account charges. We are reducing our annual account charges from 0.45% to 0.35% on Stocks and Shares ISA and SIPP accounts. * For Fund and…
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Regular Savings Calculator Issue?
When I use the drip sum calculator and put a different number in for the lump sum, but keep everything else the same, the difference between drip feeding and not drip feeding changes. I would have thought the difference would remain the same, am I missing something? Edit to add: For example, you have 1 year, no tax, lump…
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Savings accounts you can automatically transfer out from
Our daughter has a Junior ISA maturing and we want her to transfer this to another account. The money is a university fund and what we would like to happen is to have a savings account that can be set up to automatically transfer money out via a standing order. We want the money to go into her current account as if it is a…
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Holding off investing in fixed terms?
With the rises in inflation that we are going to see in the near future, and the probable rises in interest rates that this will bring are any of you putting off putting cash in fixed term deals? Also with the ISA allowance coming up again in a couple of weeks would you hold the trigger on them also? I would normally take…
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Low risk funds/ideas for cash lump sum
Lucky enough to have come into significant cash around £200k mark. I am looking for a short-medium term place to store this, my ISA this year and from April will easily be 20k'ed by these monies, and I have already got £50k maxed in Premium Bonds as I'm sadly a 40% taxpayer. No mortgage, my employer pays significant…
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Regular saver , what's the point?
I don't understand the point of a savings account that in the end you are going to only gain £25. For instance Principality pays 7.5% in interest, you have to deposit £200 every month for 6 months only ( no withdrawals) to get in the end £1,225.93 , that's an interest earned of £25 at the end of the 6 months . Is it worth…
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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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global funds
ive posted here before and have been reading a lot , gaining confidence in investing after a late start at 50. I have most of my money in HSBC global balanced fund and was happy with that but didnt realise how concentrated (seemingly as most global trackers are) in tech in the US. Fine if youve already seen the upside but…
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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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Shawbrook 7 years fixed rate, would you go for that?
Shawbrook bank website is offering a quite rare (or let's say unusual) 7 years fixed rate Bond at 4.21% interest (and an Isa version at 4.14% with deposit allowed in the first 90 days that it is useful even for those who have already maxed out this year allowance and they must wait for April). Would you put £1000 on that ?…
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Private pension v Cash ISA
Hello, advice needed please. I have approx 25k in a private pension which hasn’t had anything added to it in 2 years, I also have about 9k in an account with Trading 212, this gets 3.6% AER. My head spins trying to work out if keeping the private pension where it is is best or taking it out and putting it in an ISA, I know…
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Moving from US based share management company to UK?
Hi I'm looking for some advice. Many years ago, I used to work for a US based company's UK subsidiary. I bought some shares through the employee programme. These are US based shares and are managed by a US based company; The dividends are reinvested to buy more shares in the same company. Due to poor service from the…
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Banking app 'Zero' stops trading and will close all accounts – what it means for your savings
Fintech app Zero ceased trading on 18 March. The company plans to keep its app open until Tuesday 31 March, but it's said it can't guarantee this. If you had an account with the provider, you should withdraw your deposits in full as soon as possible. Here's what's happening. Read the full story here: Banking app 'Zero'…
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Money Moral Dilemma: I've put my mum's money into Premium Bonds - who gets the prize if it wins?
This week's MoneySaver who wants advice asks… My mother has given me a sum of money to pass on to a friend of hers after she passes. I've put it in Premium Bonds to keep it safe until the time comes. If there's a win, big or small, should it go back to my mum, kept to give to her friend, or should I keep it? Unfortunately…
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Top Easy Access acs Ranked: Top of The Pots - **No Chat**
I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top Easy Access discussion' thread. The aim is to maintain an easy-to-find ranked list of the c.Top 10, available to open & manage online, Easy Access accounts, with links. The purpose of this thread is…
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Co-Op Regular Saver - Early Closure
I have a Co-Op regular saver that is due to mature on the 27th March. Does anyone know if it is possible to close the account early and then once closed open a new regular saver with them. I do not want to withdraw funds and then find I cannot open a new RS until the current maturity date. Appreciate any thoughts,
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Money Market vs Gilt Fund (again)
I've asked similar question couple of years back but thought worth getting an up to date perspective… My pension pot currently has 70% equities, 20% money market fund, 10% UK gilts fund (containing mix of medium to long term gilts). The gilt fund is basically all that is available from my workplace pension in terms of…
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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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