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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 Save £12k in 2025 challenge
I give details below of the savings challenge I have been running this year and will continue to run next year with the help of @Suffolk_lass This is the new Challenge thread for savers in 2025. The aim is to get more people saving throughout the year and this thread gives a space for people to record their progress. The…
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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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with all the coverage of impending market crashes, what are you doing?
Sorry if this has been covered in other posts. As the title says really... all i see these days are reports that the AI bubble will crash, a market correction is coming etc etc i know that no one really knows, but is anyone doing anything in advance? I am half tempted to sell some funds i'm pretty much 100% global equities…
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iWeb Change to Scottish Widows
I've just logged into my iWeb account and noticed a banner that they are now going to be known as Scottish Widows sharedealing which will also give access to the Scottish Widows app. https://www.iweb-sharedealing.co.uk/changes.html I wonder if this name change will increase their reach and profile to gain more customers…
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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…
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Cahoot Sunny Day Saver/Simple Saver/Fixed Rate Bonds - Upgrade Available
When I logged into Cahoot the other day, I noticed an upgrade link on my accounts page which I've not seen before. My Sunny Day Saver (interest rate 4.75%) was due to end on the 31st and I was able to upgrade to the latest issue which is 5% so it's possible it's not there all the time, maybe just when an account…
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Best days of month to set up standing orders, plus days for return transfer
Hi everyone, This is about transferring money in and out of a bank account to be eligible for its perks whilst also keeping money in a high-interest savings account as long as possible to get maximum benefit from that. I was wondering what the best day of the month is to do this, with the aim of setting up standing orders…
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Selling silver - capital gains tax when no idea about "purchase costs"?
I have some silver bars that have been held for many generations and simply kept in the loft as it is passed down the generations. I plan to sell it soon but I am wondering how the tax for the capital gains is handled in situaitons like mine where its simply been passed down, no original purchase price is known at all etc?
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Basket of ITs
I basically have three chunks of share-type investments. An AJ Bell SIPP (Gilts & value ETFs), a Vanguard SIPP (LS75) both deliberately dull. The "racier" chunk is going to be an II ISA that I want to setup as a basket of decently yielding ITs with a regular investment into all of them that's approx the value of 1/12th the…
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Melton Building Society - Migrating Computer Systems
Hi everyone Just adding this info for anyone reading the thread now the new system has launched: Pointing out info that may help: 1. Ensure you drop the first 0 from your mobile number 2. For your account number, omit the 3 letters at the beginning and the end of your account number and add a 0 in front. For instance, for…
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Reasons for having to do self assessment.
I am currently not submitting a self assessment to HMRC and would rather not have to, as I believe once you start you have to do it every year. My question is, what are the reasons for having to do one? There seem to be a few grey areas. Obviously if you are above the £3k CGT allowance you will need to file one. I had…
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Strategy for bridging gap to pension
My wife and I (both 52) have a current plan to stop working at 57, use savings for five years, draw on DC pensions for another five years and then live off 2x full state pensions plus 2x LGPS pensions plus AVCs. Our savings are currently comprised of £150k cash, mostly in ISAs, and £330k in Vanguard VLS60. We intend to add…
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5-10 Year Recommendation
What are people's recommendations for a provider and fund for a S&S ISA that has low fees and only needs to try and match inflation over a 5-10 Yr Period. Thanks
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Santander Edge 6.00% Saver
I have just received a secure message in my Santander online and app as follows. The interest rate on your Santander Edge Saver will go down to 3.50% AER /3.45% gross (variable) after the first 12 months on 5 January 2026. I know that the underlying rate of 4.00% is variable and that the bonus rate lasts for 12 months.…
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Stockbrokers for Investment Clubs Sep’25
I’m a member of a longstanding Investment Club. Our Broker, ii, has just given us 2 months notice that they are ceasing service for Investment Clubs. Can anyone suggest an alternative Broker please?
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Green investment - funds vs solar system
Just curious about your opinion. I can see around huge interest in people buying solar panels and batteries while at the same time lack of interest in renewable energy investment trusts. Using basic info from MSE articles, let's pick up a typical solar system with battery that costs £7000 and generates £700 a year of…
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Bank of Scotland Savings Acc with ATM Cards
I was doing some googling after receiving my new BoS Current Acc debit card with the forth road bridge on it ,replacing the one I had with the standing stones. I noticed a few different designs ,some of which had Savings written on them. I was wondering which account this was for and how do you get them as I couldnt find…
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Being nosey... How many Regular Saver accounts do you have?
Starting to find this is addictive! I have five now.. How many does everybody else on here have?
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Maths: Compund Interest S&S ISA: 100% in 1 or 50% each in 2?
Hi, Calling maths whizzes! I want to autoinvest in two funds using stocks and shares ISAs. I would prefer not to put all my eggs in one basket and use two different ISA providers. However, I'm unsure of how this will affect the compunding interest. Would I get the same compunding if I autoinvest two funds in one S&S ISA as…
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Savings Interest, Tax and Pension contributions.
I can't seem to find the answer to this so if anyone can help it would be appreciated. I'm a higher rate tax payer (not by a huge amount) and claw back any higher rate tax by paying into a personal pension. I also have savings (mostly ISAs split between me and my wife). I'm aware I have a £500 limit on the interest earned…
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Problems Opening an OakNorth Account
Hi, Has anyone had any difficulty trying to open a Fixed Rate JOINT Savings Account. Edit: OakNorth have sorted out the problem. All solved
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BAYE or SAYE
My employer offers a BAYE and SAYE savings scheme and I can’t work out which is better for me. Buy As You Earn - buy shares before tax and NI contributions. If you hold onto your shares for at least 5 years you won’t need to pay Income Tax or National Insurance on the money you get back. May lose money if share price…
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