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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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*partial* S&S ISA transfer from SWSD (iWeb) to Freetrade?
I don't usually bother with cashbacks (SFX: horrified gasps), but I'm tempted by Freetrade's offer of 1% (max £5,000) on ISA transfers/subscriptions. (Though not by their similar offer for SIPPs, for various reasons.) I note there are some issues with ambiguous/modified terms around lockin/clawback times/calculation, but…
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Crypto.com withdraw problems
Hi all, My wife invested £250 into crypto.com about 7 years ago and forgot about it until recently. She contacted them and got a call back yesterday. The guy who she spoke to named Oscar spent 3 hours trying to help her but there wasn't a way to create a link from the crypto account to her English bank account because the…
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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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Impax tender April
Despite making a good start to the year in recovering a bit of its downward trend, partly maybe because of the first tender offer , Impax has lost 10% in the last month, 1.5% in the last week. With the war appearing to overall be escalating despite Trumps assurances of near deals etc , how wise or not do folk think is it…
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New rate of tax on interest from April 2027
Hi Apologies if this has been asked before but I couldn't find an answer. As tax on savings interest is charged retrospectively (well it is for me anyway!) when the new tax rates come into effect in April 2027 will they be applied only to interest earned from April 2027 onwards or will the new higher apply to any interest…
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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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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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Tax efficient way to save for child's education?
Hello everyone, I'm hoping to get a bit of advice. I'm currently an additional rate taxpayer as I work as a contractor which means a relatively high day rate but no pension/annual leave etc (I put a good % into a private pension to reduce tax). I have a 3 year old daughter who is currently at the pre-school (nursery…
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Tembo - are they any good
I have never used just an online only account before and am looking at setting up a Tembo ISA to transfer my ISA across to, I am slightly nervous about an online only account and was wondering how people get on with the Tembo one? TIA
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Investing in current times
I opened an S&S ISA about 18 months ago and have invested in one thing since it started in the last month it’s gone down, as I’m sure many people are experiencing. im fairly new to this so not sure if i should take the advice of many social media posts and continue with monthly investments or wait for things to change - on…
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Maturing Charter Fixed term bond ISA
They sent me an email yesterday informing me of a maturing fixed term ISA bond. They gave my maturity options of another 1 year fix at 4%, however on their current available accounts a 1 year fixed rate bond ISA is 4.1%So current customers with maturing ISA bonds are being offered less to carry the bond on than people…
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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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NS&I: Premium Bonds - older than 1990s
Hello there I am the fortunate owner of £5 of Premium Bonds acquired within a year of my birthday circa 50 years ago! Woo hoo! I hear you cry: a whole £5. Well, yes, if adjusted for subsequent inflation (which painfully it is not) it would have been worth £33.89 in July 2025 according to the Bank of England's inflation…
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Interactive Investor Advice/Managed Portfolios
Noticed this which is new from ii. https://www.ii.co.uk/ii-accounts/ii-advice Not quite sure how much of a full "advisor" offering it is v a bit of a "what Vanguard tried to do" but looked like it might be a reasonably priced option if anyone is looking for that sort of offering. Seems limited to MyFolio Index funds though…
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INC or ACC ?
I will be investing in index funds (OEICs) using my cash ISA (37.5%) and cash (62.5%). My plan is to use the entire cash ISA to invest in one Income (INC) fund, in case I need to replenish my cash ladder. (I hope my other plan works; if so, I can keep the income reinvested, even though Interactive Investor (ii) charges a…
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Ethical ISA investment — sanity check appreciated
Ethical ISA investment — sanity check appreciated I'm 52 with a ~10-15 year horizon. I have £74k sitting in underperforming cash ISAs, backed by £50k in Premium Bonds as a safety buffer. I want to move the ISA money into a stocks and shares ISA — long-term equities. I have hippy tendencies so won't fund weapons, fossil…
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Seven Investment Management (7IM)
My IFA wants to transfer my holdings from Transact to Seven Investment Management (7IM). I understand the reasoning, but I have never heard of 7IM. Anyone got any experience of these guys? www.7im.co.uk Thanks!
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Vanguard LS100 or FTSE Global All Cap?
I have £5K of my ISA allowance that I want to invest in a stocks a shares isa for 10+ years. Basically,put the money in and forget. Am considering Vanguard LS100 or FTSE Global All Cap. Any suggestions on which of these two to go for?
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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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SPRING APP - Unable to make deposits through App
Has anyone else experienced this? Rest of App working fine but when I try and make a deposit through the App from my bank says 'having a check up'. Is Open Banking down this morning? Thanks
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