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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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SIPP v Stocks and Shares ISA
I read that only 15% of UK adults have a stocks and shares ISA as most don't understand them. I've spent today trying to understand how these work. I'm late 50s and due to working part time as I was a lone parent, my nhs pension will be 'adequate'. Lump sum as of March 2024 statement is sitting at £30000 and monthly…
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NS&I's one and five-year British Savings Bonds are back
NS&I has refreshed its range of fixed-term 'British Savings Bonds' by bringing back its one-year and five-year options and boosting rates. Its new deals are strong across the board, especially if you're looking to save with a well-known name – though you can earn a bit more from the top-paying accounts elsewhere... Read…
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Loanpad P2P - Reviews, experiences, info or updates, post them here. I'm having a dabble.
Morning all I've seen this name pop up a couple of times in various threads, but can't see that there is a dedicated thread for them. I've had a quick look at their website, and on the face of it, it seems like a pretty good deal, somewhere between cash and a S&S ISA. I realise that capital is at risk, and the interest…
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Advise on moving ISA's
I have had a yearly ISA with Lloyds which started off at £20,000 two years ago which did accumulate around £98 a month in interest at 5.5%. In September last year I automatically renewed it but the rate had dropped to 4.5% but because I now had £26,000 in the ISA the interest still worked out the same per month. My ISA is…
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Index-Linked Savings Certificates Growth Calculation
I appreciate that I am probably in the dying-breed of people hanging onto Index-Linked Savings Certificates, however, I do not understand how the growth is calculated (I thought I did!). One of my certificates recently matured and the growth seemed rather low. I queried how growth is calculated and received the attached…
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Are there any millionaires who contribute to MSE?
And do any of them attribute any of their achievement to the advice and guidance given and available on here? I'm some way short of that target but I do feel it's possible. Thoughts?
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General Discussion and Whimsical Banter
It was only a matter of time. Personally I've never minded the off-topic comments in the main threads to discuss top easy access and regular savings accounts, but I can see it's becoming a greater problem given that there just isn't a whole lot going on in the top end of the savings accounts market right now and possibly…
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My Portfolio
Here’s what I did......for comment, to adapt or ignore. Following the markets correction in April, I decided to put together a new portfolio, something that I was going to be very comfortable with and one that befits my advancing years. I had several objectives, all of which have been met. The most significant is my desire…
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Yorkshire Building Society
Reading on their website it states but on general T&Cs pamphlet it states Wise people of MSE which is it?
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Cahoot online banking issue
Been trying all day. When I log into my online banking, it then takes me to my home page. Then whenever I click pretty much anything on my online banking screen, it logs me out automatically. Anyone else having this issue?
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Are share prices the same on every platform?
Hi all Probably an obvious question, but are share prices the same on every platform? I used Interactive Investor for years and just switched my ISA to IG (because it’s completely free as long as I make one trade a month, which I do anyway for regular investing). However it just got me thinking, how can IG offer the entire…
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Employee Share Incentive Plan (SIP) - taxation after redundancy
Hi, I'm looking for some help. I had a share incentive plan (SIP) with my employer (I made monthly contributions and was given matching shares and dividend shares) from 2015 but was made redundant in 2020. As such I understand there was no income or other tax to pay at the time of my redundancy. I'm now thinking of selling…
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Monmouthshire BS Deposits
Anyone know if there's any known issues with depositing funds recently?, I ask because I sent £1 to my easy access account at around 1am yesterday and it's not shown up yet.
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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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Virgin Money Regular Saver
I have the 10% regular saver from last summer. I've been paying the max £250 in each month. Can I not make any more payments and just leave what's there accruing interest at 10% until it matures please? Or do I have to continue making a minimum payment?
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Can I churn my ISA ?
I'm not sure if I've titled this correctly but can I deposit and withdraw from my stocks and shares ISA as often as I like so long as I don't deposit a total of more than £20k in the tax year ?
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How to use Inheritance
I am Male, 25 years old, no dependents, unmarried. I have been fortunate to inherit £150,000 and am looking for advice on how best to deploy it. I attended university (£70,000 outstanding debt) and have a good job currently earning £75,000 with strong career trajectory. I have taken out a mortgage recently to buy my first…
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ATOM instant saver reward maximising reward rate interest
I have an atom instant saver reward and know that the withdrawal rate is lower when making withdrawals. In order to minimize the penalty as far as I understand I can do the following, just wondered if my thinking is correct or flawed, see the following example : * Currently have £2000 saved at the reward rate of 4.75%…
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Royal Mail Share Offer - I missed the deadline! PLEASE HELP
Hi All, Just logged into my Hargreaves Lansdown trading account to see my Royal Mail shares are now shared in International Distribution services. I tried to see them and was unable. I called Hargreaves Lansdown and was advised that the decline was last week, I had missed it and lost all my money. Is this correct? Can they…
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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 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…
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