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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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Fixed Rate Bonds - confused by HMRC advice
Hello, after a conversation with HMRC, I am really confused about filing a tax return for interest earned on fixed rate bonds. I thought that I only needed to file information about interest accrued on fixed rate bonds in the year that the account matures and the interest becomes available. However, having received a late…
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Buying gilts - which platform to use?
I am considering buying some (conventional and index-linked) gilts and am not sure about which platform to use. It seems that Fidelity don't offer gilts at all (only gilts funds and ETFs), whereas Scottish Widows (formerly iWeb) offer them. Any other platform which offers gilts? Thanks for the help!
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Freetrade 1% Cashback on S&S ISA Transfer.
ISA Transfer was completed abouta month ago and the offer rewards tab on their app shows this … Has anybody else completed the transfer and hsve a tick for point 2 above? Transfer is definitely covered for the offer…
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Seeking clarification regarding FSCS protection for funds in a Stock & Shares ISA
Hello. I'm considering opening a Stocks and Shares ISA with a view to eventually maxing out my annual ISA allowance, which is currently £20,000. I have no other ISAs currently. I am somewhat confused as to how FSCS protection works with regards to money invested in an S&S ISA. On the FSCS website, there is a page which -…
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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 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…
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ETFs
First time buying ETFs, on ii it has 3 subheading : Market | Limit | Fill or Kill' and https://www.ii.co.uk/investing-with-ii/order-types explains the 4 types of orders, I can only see 3 types : Market orders / Limit orders / Fill or kill and cannot see 'Stop loss orders' - is this correct? I would like to know: 1. are…
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best way to save
hi i would like to save 50% my net income as a good habit where i work allows me to use commsave credit union i also know there are regular savings accounts what would be the best option in some ways i like the money to be saved before i get access to it as i am not always disciplined to transfer myself also how about a…
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Fundsmith again.
I've held Fundsmith for many years and it did very well for me. I sold out of the ISA a some years ago for better options because no sell liabilities, and have slowly brought down the GIA amount in CGT exemption steps. In the days of 12.3k exemptions this was pretty easy, but now with 3k it is more difficult. I've never…
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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
Just spent a fair amount of time going three quarters way through the process of opening a Trading 212 acc ISA , inc. reams of conditions etc, only to find after taking my id selfies, I needed my phone to do a Q scan to get any further because I needed a code from it , and I havent got that smart a phone ! Anyone found…
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Clarify 30 day rule on stocks and shares
Hi there I sold some S&S - a Vanguard ETF - from within a T212 GIA (gain not subject to CGT as well under the £3k), in order to rebuy within my ISA. Am I correct that I cannot buy the same ETF in the GIA again for 30 days without this having a CGT implication later on? So if I want to buy in my GIA either wait until the 30…
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Gilt Ladder Builder site question
Looking at the https://lategenxer.streamlit.app/Gilt_Ladder for ILGs, it seems that some of the gilts (e.g. T33 and T28) are greyed out. Any idea what this means? There seems to be trades ongoing each day. I wish to purchase some T33, but not sure if they are actually available or not?
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Nest as well as S.I.P.P
Hi I am paying into nest via work to the max my employer will add (4/5%) I am able to make extra AVC payments However, with nest I think they take 1.8% straight away as a fee Is it possible to open a new SIPP somewhere else and add to that, and still get tax relief on top of any AVCs?
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Maths question
I have £2400 in an instant access savings accounts with a bank This instant access account pays 1% If I open a Regular Saver at the bank which pays 6% and transfer £200 a month over am I right in thinking that my interest rate on my £2400 will be (6+1)/2=3.5% Assume I will pay all 12 payments across to the regular saver…
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IWeb/Scottish Widows cash withdrawals to bank - how long?
Would anyone know how long these take please? I've sold some funds in a GIA (realising CGT allowances for this tax year) and I was planning on using the proceeds to fund an ISA on a different platform but looking at the settlement date and some of the stuff I've read online I'm not convinced the sale will have cleared…
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Selling shares in certificate form
Really need to sell my very small holding of BP shares that I have as a certificate (bought way back in 2008 roughly). I used to use x-o but have only just discovered they've closed (I got no e-mail about that happening). Where can I sell these shares now?
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HSBC FR ISA Cashback
Have any of you guys opened the above in a way that has enabled you to claim the cashback. The T&C state that it has to be new money and cannot be money transferred from a HSBC current account or savings produce or First Direct too. I have both those bank accounts and no other. To try and get in on this offer I tried to…
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Cynergy Issue 96 Available - 4.22%
Just a quick heads up to Cynergy customers. They have released Issue 96 paying 4.22% instant access. My bonus was approaching expiry so jumped across.
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Post Office savings account
Just opened Post Office instant access savings account. When I tried to tfr. money into it from my bank - I got error msg. from my bank saying cannot confirm destination account details. I phone Post office & their explanation was because Post Office is registered in Republic of Ireland. Seems little strange to this…
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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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