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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 2024" challenge
This is the new Challenge thread for savers in 2024. The challenge starts on 1 January 2024 and finishes on 31 December 2024. Please report monthly and I will record totals on a spreadsheet. Link below. https://docs.google.com/spreadsheets/d/1-frtVz3nhAXAKlcjM5zqNyiLfSopVsc_tPK9Y_r7jPM/edit?usp=sharing You can save £12k or…
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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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Regular Savings Accounts: The Best Currently Available List!
1. Introduction Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area…
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Nationwide Fairer Share Joint Acc Interest & Tax Query
Morning all - a query about the Nationwide Fairer Share payments. My partner and I have a joint Nationwide current account, and then I have a separate current account with them too, she doesn’t have any other Nationwide current accounts. We’ve both had the fairer share payments land today, mine in my separate current…
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Trading 212 for ISA
Can one invest in Vanguard ETFs through Trading 212 ISA vehicle to cut costs? Would that be 1.Economical2. Protected by FSA (value of investment can go as well as down, I am aware. This is if the Trading 212 goes belly up?)
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Wealthify* Free £75+ investment – just put in at least £75 for a year.
What happened if the Wealthify is cease trading , do I get my £75 back?
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Core fund for ISA - Vanguard LS 100?
Hi everyone, I had to find a new place for my S&S ISA as my robo advisor exited the UK. I went to a DIY platform and bought Vanguard Lifestrategy 100 fund and have been adding to that fund since. I now am wondering if there is a better alternative core fund to keep for my S&S ISA like the FTSE or MSCI all world index…
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Interest in Possession Trust - Choice of Investments
I am one of the Trustees for an Interest in Possession Trust. The Trust was created on my father's death, as per his will. The will states that a certain percentage of the Estate should be invested in Trust to provide growth and income, and for the income to be paid to his surviving spouse. The remaindermen are his…
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Offshore Savibgs Accounts
My son is working/living in Japan on a rolling work visa. He wants to open fixed term savings account. Only option seems to be offshore accounts. Any recommendations and are they safe?
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Financial Planning: should I engage a financial planner?
Hi, I need some advice. I am about to come into an inheritance of around £350k. Should I engage a financial planner? I met with someone last night and was very impressed. Managing money like this is not something I have experience of. Fees: initial 3% capped at £10k with room to negotiate, followed by 1% p/a I feel this…
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Tax on interest
I have earned more than £1000 on bank interest in the last tax year. I also had some income from a unit trust, well below the personal allowance. All other income is from tax free sources. Do I need to pay tax on the interest over £1000? Can anyone answer this? I have seen conflicting advice online, so would like a…
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The Top Easy Access Savings Discussion Area
This thread was specifically to discuss the Easy Access Savings article Which included the then new free Savings Calculator tool. It is now closed to new posts. You can find the next edition of this thread here: https://forums.moneysavingexpert.com/discussion/6534798/the-new-top-easy-access-savings-discussion-area/
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10% CGT rate.
Which ever party wins the next election they are going to be looking for money. An
obvious source would be scraping the 10% CGT rate. Is it worth maximizing the
capital gains now to use up the 10% rate for this year?
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iWeb Tax Certificate
I'm doing our tax return for the year ended 5th April 2024. The tax certificate from AJ Bell shows me the capital gain on disposals I have made from my dealing account throughout the year, but the iWeb tax certificate does not, even though I did make several such disposals. Is this usual would anyone know? It's going to be…
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Premium Bonds
We have flu
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The Top Fixed Interest Savings Discussion Area
I'm interested in people's thoughts and recommendations for the best fixed interest accounts. With BOE interests rates recently starting to increase we have to consider the desirability of long term fixed interest savings. Since withdrawals are usually not permitted before the end of the fixed period, such general interest…
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£40k inheritence - best returns for the risk averse.
My wife is due to inherit circa £40k. Being the uber cautious type excessive risk is not an option. Looking for the safest option for locking away/reviewing every couple of years or so - no need for regular quick access. Obviously had a brief look at ISA options for £20k but also wondering if topping up of work Pension is…
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Post Office Online Saver
I have just opened this account using the link from the MSE page. My existing Post Office account didn't recognise it so I rang Post Office to seek help. They have never heard of the Online Saver 72. Is this some sort of scam?
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Skipton Member 1 Year Fixed Rate Bond 5%
Skipton have launched a members only 1 year fixed rate bond at 5%. Have to have been a member on or before 12/06/2024. 1 Year Fixed Rate Member Bond Issue 1 5.00%gross pa/AER fixed * Save from £500 up to £15,000 * No withdrawals or early closure * Exclusively for existing members who joined on or before 12/06/2024 and…
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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 EA 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 to ONLY…
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Vanguard investment query
Hello all, just wondering if someone could explain the below. I have some money in Vanguard short term money market fund. I put in £22k and it's currently sitting at £21,969 so why is the total gain showing as £391.35 ??
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Nat Grid rights issue outcome
Hi, I'd be very grateful if someone who let their rights lapse could let us know what they end up getting, price per share and what fees they were charged. Many thanks 👍