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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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Reviewing my Finances
Hi All, I am facing redundancy at work, I have been there for 9.5 years and I am likely to get an enhanced redundancy of one month per full year of service, my salary is at £42k. My consultation period (which was a non-event and I was told it was not about avoiding redundancy but about ensuring I had access to the job's…
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The Cashback for Bank or Investment Accounts *No Chat*
This is the "No Chat" thread, please only post announcements and use the discussion thread for anything else Open and fund any Prosper savings or investment account with a minimum of £10,000 and get £100 when you keep it on the platform for at least six months across savings and investments.…
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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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Premium bonds bank transfer mistake
Yesterday I did a bank transfer to buy more bonds. Money left my bank account but nothing arrived to my bonds account. I called Ns&I and they asked me if I had entered the reference (my account) number.. I didn't !! although they said the money should go back to my account, I'm just panicking in case it doesn't Has anyone…
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Dividends Not Paid During Transfer
I’m stuck on where to go next and wonder if anyone can help. I transferred some shares from HL to T212. I initiated the transfer at the end of January and HL say they transferred the shares on 6th Feb. It took a while for them to appear in my T212 account and T212 say the transfer took place on 2nd March. The ex div date…
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Smithson
I got a nice letter from Smirhson today, which was kind of them since I sold out of the ISA some years ago, and sold my last tranche of unwrapped on April 6th for a gain of 3k to avoid CGT. Apparently they are converting to an OEIC, presumably to get rid of that pesky discount that never seemed to get better and makes them…
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Trading 212 ; Trading!
Does anyone experience similar to me? It is baffling and infuriating in equal measure. It seems impossible sometimes to get trades matched. Sometimes I use a limit order. Which sets a maximum price. For example, buy 1000 at 1, when the security is trading at 1.01. It will trade at 0.99, yet my limit order is still pending.…
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The Archived History Of Regular Savers Thread *** NO CHAT***
Welcome to this thread The main purposes of this thread are three-fold: * To provide a list of current and historic regular saver Ts&Cs. * To serve as an archive of when key changes to The Top Regular Savers Discussion Thread and the accounts listed on it were made. * To serve as a defacto no-chat regular savers thread to…
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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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yougov.finance bribe
It's one of these almost-too-good-to-be-true stories, but it is true. First mentioned by @Bridlington1 in the Natwest Regular Saver thread, but I reckon this deserves its own thread as it could be of interest to those who have at least 10 current, credit card and savings accounts and not everyone reads the Natwest RS…
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Selling a HL Fund and Share account
Hi all, Please can someone confirm (or otherwise) if my thinking is correct? (Please be kind!) I have a fund and share account with Hargreaves Lansdown that I put £2000 in a few years back. It currently stands at £4400. If I sell it, and put the funds into a new S&S ISA (I'm thinking Trading212) I don't think I will need…
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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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Cash ISA - stupid question perhaps
Trading 212 offer a good (promotional) rate on their cash ISA currently. My question is: If I pay in say £20,000 now, and then in the new financial year, pay in another £20,000, will the whole sum benefit from the 12 month promo? It's not 100% clear to me.
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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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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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Marcus Bank increases ISA bonus to 0.74%
Just received on email that there is a ISA new bonus rate of 0.74%, up from 0.49%. New rate 4.01%. You have to renew the bonus on the Marcus site to apply it. The general savings bonus remains unchanged.
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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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CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
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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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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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