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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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Cash house buying or 50% investment / mortgage
A bit of advice please , looking to buy my first property this year at the age of 50 this year. Have enough to buy the house outright if needed ( around 250- 300k ) but not too sure if this is the right approach.. Would it be sensible to use 50% cash for the deposit make up the rest in a mortgage ( around 4% ) and invest…
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Hargreaves Lansdown charts not working?
Hi, Is it just me? I've used both Chrome and Edge but a lot of the charts won't display, this has been happening for a few months now, I don't know if it's something my end or HL have changed something their end. Anyone else have this problem or is it just me? See example below:
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Darlington BS massively overpays annual interest
Darlington Building Society pays interest annually on 31st December, even for its regular monthly saver accounts. You don't need a calculator to notice that my own account, only opened in October, shows an inordinate amount of interest paid yesterday (should be less than £8). There are numerous reports of this happening…
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Asset Allocations by Country and Asset Type
An interesting visulisation showing how assets are allocated by country, based on Goldman Sachs data. https://www.visualcapitalist.com/how-investors-allocate-their-investments-by-country/ CountryU.S. EquitiesDomestic EquitiesRest of World Equities (ex U.S.)🇺🇸 U.S.78%N/A22%🇳🇴 Norway48%12%40%🇨🇦 Canada45%49%6%🇩🇰…
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The Cashback for Bank or Investment Accounts Discussion Thread
What is this? 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 addition to bank…
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ETF's, can't decide between S&P500 or All World
I'm new to investing, always played it safe with high street saving accounts, cash ISA's, etc. I've been reading a lot about it and dabbling with the Trading212 app. I'm ready to start putting small lump sums into an ETF over a long period (20+ years) and had picked the S&P500 based on, basically what everyone else online…
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Marcus 4.55% fixed rate savings account
Currently, a top pick. Seems easy to set up. Anyone had any issues in the past either setting up, during the term or at maturity?
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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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Where to put large deposit while I look for a house?
Hi all I have recently got divorced and my ex has bought me out of our house. This means I am about to receive £250k. I've started looking for a house for myself but I've got other things going on in life so I'm not really in a big rush. My question is, where can I put this money to get the best return whilst ensuring it…
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SmartSave removing their "only one account at a time" restriction in rebrand to Chetwood
'SmartSave' is (and always has been, as far as I can tell) a brand of Chetwood Bank. They've now decided to brand it all as 'Chetwood', and in doing so, are getting rid of their odd "only one SmartSave account at a time" restriction. From an email: "As a SmartSave customer you could only have one Fixed Rate Saver account…
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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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IFA
A quick one. I've never used an IFA but a friend has asked for advice, she says her adviser is independent but charges 3% a year, which I think is high. What's a spread for reasonable IFA charges?
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TrinityBridge (formerly Close Brothers) is closing its Self-Direct Service
I have a fund "J HENDERSON GLOBAL SELECT" held with TrinityBridge for many years (I think it's a unit trust). I recently got a notice from TrinityBridge that they are closing the service and ask me to either transfer it to somewhere (they mentioned ii) or sell it. I'm an investment dummy and inactive "investor". I do not…
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problem setting up Trading 212 cash ISA
I'm trying to open the Trading 212 Cash ISA and I've gone through the identification verification and I'm trying to deposit funds. My bank is First Direct and when it asks me to put in my username and DOB it keeps saying the information is wrong , even though I know for a fact it's right. Has anyone else had issues with…
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LISA's /Savings
Hi, I've been reading up on Life ISAs and I'm just a little confused with it all and not sure what my best options are... My Nan has recently passed away and her estate is due to be settled. I don't know how much yet but I am due to receive some money, probably around 15000. I am planning to save this and use it towards…
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Nationwide e-savings
I recently moved £1k to my Nationwide e-savings account, thinking it would be a higher interest rate. But I have just looked, and e-savings = 1.1% whilst the normal flex account is 2.5% Is this just deliberate to catch people out? In case of fraud etc, you wouldn't keep excessive amounts in your ordinary account
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Fixed term Savings for Terminally Ill
Hi. Aged 85 Ive been warned by Gp of terminal illness. However he said I could live for UP to two years I'm gathering my assets together to make estate settlement easier However there doesnt seem to be a 1 year fixed term plan which will not be penalized for "early exit" any advice welcome Thanks
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US Investment plan terminated - USD cheque sent
Anyone know how I can cash a US Dollar cheque? I had some Liberty Global shares, that split and a few went over to the US.... I've now had a cheque advising "??? plan was terminated, and all shares were under a mandatory cash payout.". They've sent me a US cheque and advised via email that they cannot add a Direct Debit as…
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Confused about NS&I login process using a mobile
Hello all, I'm aware that various posters have had issues with two-factor authorisation when logging into NS&I with their mobiles as the hash key doesn't seem to work for some people. Consequently to be on the safe side I've always just kept my BT landline details on there, which has always worked for me with my laptop…
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Savings / investment re cash inheritance
Hi all I have inherited a cash sum of around 100K following the death of my father. I am wondering what best to do with this in terms of savings / investments. Seems like it would be prudent to put 20K in a Cash ISA - which ones might be best? And other possibilities which you may have found beneficial? My mum was a big…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.4K discussions
162.6K comments
Most recent: Partial transfer from current tax year by 35har1old
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