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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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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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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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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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Saving a lump sum
We are inbetween houses at the moment and have about £180k in our bank account, can anyone recommend the best thing to do with this amount of money? It’s currently in an account where the interest rate is 2.3% so I know I can do better. I don’t know whether to split it up between different accounts/ISA’s or keep it…
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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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Zero launches 'Planet Safe Saver' ethical savings account
Fintech app Zero's new 'Planet Safe Saver' account pays 3.66% AER (variable). It's currently the highest-paying easy-access 'ethical' saver, meaning it avoids funding fossil fuels, weapons, tobacco and similar sectors. It's not a top market rate, but 'ethical' accounts are something we're often asked about, and the rates…
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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 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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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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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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Peak Capital
Has anyone heard of this investment company in Switzerland. I’m trying to find out if it’s bone fide or a scam. I got in touch after seeing the supposed spat on Question Time between Nigel Farage and Andrew Bailey, I’ve put in £250 and I’m now having second thoughts. Also the financial advisor rings me every day /every…
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ERNS.L iShares GBP Ultrashort Bond UCITS ETF - Change to Quarterly divis
I was mildly surprised to see ERNS went ex-dividend this morning. I missed the change to quarterly dividends from the start of this year and was expecting the next dividend at the end of June. I raise it in case anyone holds ERNS outside of tax shelters because the payment date is 31st March. It's also worth noting the…
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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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S&P 500 VUAG £1000 here's how it's profiting6mnth,now
Good afternoon all as per title I have near £1,000 in. S&p VUAG for 6 months now and it's showing I have a profit of 4 pence - not exactly the kinds of interest I was expecting from listening to podcasts & experts that said that even a bog standard GIA(General account) would earn 6-8% interest, even my maths is telling me…
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Found an Old Share Certificate for US company
I have a share certificate, 5 shares for Agilent Technologies. I got this years ago as I had a small number of HP shares when Agilent was born. I'd like to ask if you know how I could cash this in. A letter that is with it mentions Harris bank Thanks
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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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Bristol & West Liquidation Payments
I submitted Bank Details using their on-line 'registration process' but because of how HSBC name an executors account, the submission failed their a/c name matching process. A response was along time coming from Bristol & West, who asked for a copy of a bank statement. This was duly supplied, but, they chose not to process…
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Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.
I've just been reviewing my savings accounts and found 2 cash ISAs that had matured back in Jan 25 & Feb 25 but where I haven't received any maturity communications (either by post or email) No letters or emails offering me any options like they've normally done over the many years I've saved with them. I went online and…
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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…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
