-
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
-
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…
-
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 >
-
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…
-
just seen that you have mentioned a Halifax regular saver account which pay 8% interest.
How will it work as I believe that Lloyds are taking over the Halifax accounts. Will this be for savings accounts as well as current accounts?
-
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 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…
-
What would you do?
Would you move money from a flexible ISA into a taxable account or take pension drawdown to fill a void in your tax free allowance. My partner and I are both non tax payers and retired. I draw a private pension but am not yet of state pension age. My partner doesn't draw their pension and is also not of state pension age.…
-
Gilts held offshore and CGT
A good friend of mine with a French brokerage account (but resident and tax-resident in the UK only) wants to buy gilts and keep them in her offshore account. The idea is to buy low interest gilts and to hold them to maturity. So I've asked an AI whether gilts held offshore enjoy the same CGT exemption as gilts held here…
-
NS&I Index Linked Savings Certificates Maturing - Options
Mine are maturing shortly and I don't think I'll be renewing. I've just looked on the NS&I website at maturity options and it seems the only way to not renew is to "cash in" which is literally cash to your bank. Is there really no option to transfer directly to an NS&I Direct Saver or Premium Bonds? I find it hard to…
-
CSH2: taxation and performance
I have feeling this could open issues such as excess reportable income which I don't (yet) understand, but are CSH2 gains taxed as interest or capital gain?
-
Retirement Investment portfolio thoughts
Considering retiring soon Aged 45 with a view to living until 90 or so, current portfolio in a variety of single stocks totalling around 1.5mil all in tax wrappers, Thank you Rolls Royce Our FIRE numbers Here have pension income/lump sum kicks in at 60yrs, 25k / yr and 144k lump sum. We have no children and no plans on…
-
How many regular savers do you have? - The League Table
Welcome to this thread. This thread is intended to run alongside and complement the existing Top Regular Savers Discussion Thread and the Archived History Of Regular Savers Thread *** NO CHAT*** threads as a successor to the previous Being nosey... How many Regular Saver accounts do you have? thread. The central feature of…
-
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…
-
The most unnecessary laborious existing customer Coop Regular Saver application possible
I’ve been with Coop for years. Yet after my Regular Saver matured I applied for a new one while logged in and they made me fill in all details as if I was a newbie. Even then it’s not enough. They have to review the application before granting the opening of the account. They need to up their it game. Had a false start…
-
Moving some of the more volatile stuff
A good while ago we had a GIA portfolio (actually two, but they can be treated as one) with a roughly 50/50 mix of gilts and stocks/ETFs (mostly some good dividend titles and the usual Vanguard VLS40…80). Nowadays it's more like 40/60 (gilts/stocks) because the stocks/ETFs have had significant gains. Additionally, we're a…
-
X-O (Jarvis) online platform to close in the summer
Most accounts (including ISA accounts) to transfer to Interactive Investor. Information here:- https://www.x-o.co.uk/faq.pdf
-
Capital Gains Tax on Shares outside an ISA - Purchase price unknown
With saved cash and voluntary redundancy money, I bought two or three certificates in an investment trust years ago, probably for £10,000 each or suchlike transferred them into x-o.co.uk but never kept a record of what I paid for them, as I thought the whole point of investing was to tuck them away and forget about it..…
-
Santander's new 8% regular saver?
What are peoples' thoughts on their new offering - especially for existing customers? Is it a no brainer? How quick was it to actually close your old RS when going via chat before you were able to open the new RS? I note that rather than rolling into a new RS in 12 months time (with accumulated funds and accrued interest…
-
35 year investment for early retirement?
Any flaws with this idea? I'm wanting to help give my 19yr son the option of retiring earlier than the private pension age (currently 57 for him) or state pension age, by investing some money for him in his name - we'll do it together. I'll soon be retiring myself at age 55 and I'd like him to have the same option. Topping…
-
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.…
-
Which fund to use a wrapper ?
Previously I was hoping to put some of my spare cash in ILG or gilts but the situation has changed. I am reviewing how to use my cash which is split into two main pots, a cash and a cash ISA. I am trying to decide when to use what and for which fund to minimise tax. I hope not to access these funds for the next ten years,…
-
Revolut £20 cashback tracking issue...just me??
I opened a new Revolut account last month - did everything correctly (yes, I clicked on the MSE link and entered my phone number before downloading the Revolut App). Still no £25. Apparently (Revolut chatbot) I've fulfilled all criteria but the campaign hasn't tracked from the MSE link. Anyone any idea what to do as…
-
extra fees for buying on different stock markets?
Hi I've got a freetrade account I had an interest in buying these shares: EssilorLuxottica €ELp I notice when I buy or sell there appears to be a FX fee can anyone fill me in on what this is and how much it takes per transaction etc?? is it worth on this basis avoiding either individual shares, or specifically individual…
Have a savings question you're keen to discuss? Here is where posts around ISAs and tax-free savings live.
21.9K discussions
168.4K comments
Most recent: Problem transferring cash ISA… by brewerdave
Today at 10:57AM
