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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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Moving Money from Santander Help2Buy into Plum LISA
Hi all, First post! Looking for some clarification about a move I'm looking to make. I have £11,600 in a help to buy ISA, and plan to move it all over to a Plum LISA over the next three tax years. Plum do not support transfers from Santander Help2Buy ISAs, and so here are my questions: - Could I not manually make a payment…
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Any experience with Chetwood bank? or Monument
Hi all, I'm just wondering if anyone has any experience with Chetwood bank or Monument and whether or not you would recommend them? I cant seem to find much about them online at all. I need to split some money between a couple of savings accounts. The others I have been considering are Vanquis, Oxbury, OakNorth and Atom.…
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NS&I maturity options
Hi, what are most people doing with their NS&I bonds? Is there anyone letting theirs roll over for another year? Mine matures in over a week's time, and I'm just thinking about what to do.
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Meetup groups
Does anyone use the Meetup app? If so, are there any local groups in your area covering the topics we discuss here and things like early retirement, tax efficient savings etc. I find these topics aren't really openly discussed and finance is a very secretive activity. I recently got chatting to someone at my squash club…
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Fidelity Cashback offer for transfer of ISAs, SIPPs or Investment accounts
Just noted that this generous cashback offer applies to SIPPs, ISAs and general investment accounts. Transfer must be started before 1 April 2025 and you have to stay for at least 18 months.
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Which Index funds to invest in?
Hi folks, at the moment I am in the fortunate position of having a sizeable pot built up in cash savings. From what I've heard this is probably not the best strategy to be so cash heavy versus investment ratio? I have dabbled in the stock market over the past 5 years with varying degrees of success. Probably just about…
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Have you received Cynergy's notification of rate reductions
Cynergy have recently advised some savers that they are reducing the rates on issues 68 and 69 of their easy access accounts. Although some have received this email, others (myself and Mum included) have not. I have not seen a poll on this forum before so thought I'd give it a go. As Cynergy only have to notify you if the…
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2 S&P 500 ETFs Which One?
Hi, so I'm thinking of investing in one of two American ETFs, one has a greater dividend, but the other may have better growth. Any opinions? Vanguard Funds Plc S&P 500 UCITS ETF USD(GBP) (VUSA) or Invesco Markets Plc S&P 500 High Dividend Low Volatility UCITS ETF (HDLG) Thank you
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Scottish Friendly ISA - Money Disappeared!!!
Hi, I'm really anxious about this, so I'm hoping someone can please give me some advice. I recently took voluntary redundancy from a position I had been in for a while and received a settlement. I used the money to pay off my credit card and a few other things, and transferred approximately half to my ISA with Scottish…
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CSH2 ETF Alternative ETF?
Hi I have searched for an alternative to CSH2, but haven't been able to find one, specifically non-distributing ETF. I am looking at moving one of our SIPPS to Fidelity (just for IT / Admin resilience), but they still will not onboard CSH2 (for my cash/cash like holdings). I've looked at ERNS and it would suffice as an…
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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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Tips for not obsessively checking investments
2 weeks ago I took the plunge and converted the vast majority (80%) of my Cash ISA savings into a S&S ISA. The total sum is close to 6 figures. I'm invested mainly in a 80/20 fund and have done my research on volatility, so I know what to expect if there's a crash. I'm in this for the long haul and don't foresee any need…
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Offshore savings
Hello. We lived in the Middle East for many years and whilst there we paid into an fp international savings plan. We have not paid into it since being back the last 7 years. The plan is now matured and ready to cash in. Do we need to pay tax on this
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2024 - 2025 Tax Not Calculated
I logged into my HMRC account today and it says it can take up to October to calculate. Is that right? I'm not self employed and have an employer however I started earning interest from savings in 2024 so I'm wondering if that's the reason it's not yet available, or is this normal? I'm wanting to prevent being taxed extra…
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savings
my family want to put about £4500 away for my niece without the parents knowledge. it would be paid to her at age 18 ( in12 years), what is the best and safest way to do this, any advice very gratefully received, thankyou
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Yorkshire Building Society - online login not working
This problem appears to be ongoing for 5 days now with a payment made from YBS to a 3rd party over a week ago which I learned was never received. So I can't login to even check if the payment bounced. I've tried ringing them 3 times and gave up after 30 minutes of hanging on. I've tried their chat bot, but all that happens…
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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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Christmas / Holiday Club for a Group of people
Hi all Can anyone suggest or recommend a Christmas / Holiday Club for a Group of people We are currently with Lloyds Bank, who have notified us that they are closing our (current) trust account in December. We are looking for an alternative. We need to find an account, which can allow access throughout the year (should any…
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Limit on money transfer
Is there a limit on how much money my husband can put into my account?
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Raisin welcome bonus
Hi is the £100 raisin welcome bonus only open to new customers ? I already have account that's matured so can I get the offer as existing customer?
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