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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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Source of funds and source of wealth
I received an email from Hargreaves Lansdown saying their Ts&Cs were changing to include the following. Reflect that we may request information from you to confirm the “Source of Funds” and your “Source of Wealth”, Has anyone had any experience of being asked about this by any financial institution?
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Pay off mortgage or Invest
Would love your thoughts This time next year, our ridiculously low 1.7% five year fixed mortgage rate (secured just before the lettuce budget) comes to an end. The mortgage balance is now £100k. We’ve got the £100k in the bank, and have been making our 10% overpayments throughout the term. I’m wondering if come 2027 should…
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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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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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Are you planning for a stock market correction
It is often said that failure to plan is planning to fail. Right now lots of people with stocks , particularly certain trackers and tech are anxious about a big correction, it almost seems inevitable and a big one could be followed by years to recovery, another lost decade maybe ? But many seem to be very relaxed , citing…
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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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Selling Foreign Share - how to calculate tax.
Hello, I am very lucky to have inherited some stocks and shares in the USA from my late mother, and some were transferred from a trust set up in the US for my cousins and I, and split and transferred into my stocks and shared account managed by cousin. I am looking to by a house (I am a uk resident and not a us citizen) in…
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AJ Bell Transfer
Do you lose access to a closed account once transfered to another provider. I want a closing statement and my log in details don't seem to be working, but I can see the transfer has happened. Their faqs don't say.
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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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Investment choices for Aviva pension
First the facts… We (my wife and I) are 51 yrs old and are fortunate to have enough savings and pension to retire, although it will be another 4 yrs until I am able to claim a pension (and I will likely delay this for a further 5-10 yrs) . My Aviva pension has over £500k, currently invested 50% in Multi-asset Plus Fund…
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Impax Environmental Markets Investment Trust
I would welcome any thoughts on what action I should take on the proposed tendering of shares in Impax Environmental Markets IT in order to thwart a takeover by activist investor Saba. There appears to be a chance to profit from a NAV discount of around 7% by accepting the tender offer. Does it matter which way I vote?
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Investing / Carry on regardless?
i started investing late - starting my sipp at 50, now at 51 having become comfortable and slightly more informed ive been happy to invest around 80k in HSBC global balanced fund. I realise the best thing is said to be just keep going but the high valuations, potential AI bubble and potential slow recovery with my age in…
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Payment for Compulsorily Purchased IDS (Royal Mail) Shares
Just wondering if anyone else here is having the same problem with Equiniti and IDS Shares that I am? My late mother held shares in IDS (Royal Mail). I am the executor for her estate. She did not accept the EP UK BidCo offer to acquire the shares. EP UK BidCo exceeded the 90% threshold required for compulsory purchase on…
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Barclays, upto £2500 cash back for a cash, investments, or ISA transfer
https://www.barclays.co.uk/smart-investor/campaign/transfer/?campaign=SI_Email_Acquire_Campaign_email_Premier-2915-competitor_&chnnl=EMC Got an email about this, this morning. Need to transfer over £200k to get the maximum cash back and it’s paid out within 12 weeks after the end of the offer window I think, so around end…
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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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Your opinions about QMMFs please
Two lots of questions, always assuming that the purchasing power of the initial capital should be preserved: 1 - Compared with global multi-asset funds, how risky do you consider QMMFs to be? 2 - If your investment horizon is not more than 5 years, would you choose a QMMF or stick with cash? Or split your money across both?
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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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ii new platform plans 2026
Received an email flagging new plan charges to be introduced February next year. In my case my current £21.99 tariff covering ISA, GIA, SIPP accounts will reduce to £14.99 (Plus plan) with improved trading and FX charges and ability to tack on family accounts ( up to £100k) for no additional charge. In these inflationary…
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Best Cash ISA Rates
I have seen a cash ISA rate at 4.33% from Moneyfarm, has anyone seen or had dealings with this company? This seems like a good rate but I have not seen any feedback about them anywhere
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Savings/Investing Advice for Newbie
Looking for some advice on investing 40-50k. We have 15k of savings in easy access savings account. My wife’s company SAYE shares scheme just matured making us a healthy profit. This was with Equiniti who helped us setup a dealing account & S&S ISA, 20k worth of shares put into ISA and now sold, looking to move the…
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