Savings interest rate thread

Savings interest rate thread

Author
Discussion

alscar

4,472 posts

216 months

Friday 14th June
quotequote all
I have a filing cabinet in my study /office with each necessary account including utilities and indeed " everything " else having its own file.
I keep a spreadsheet of money /investments/pensions which is put in 2 places within said filing cabinet.
As Leaper does I keep a working spreadsheet on my desk and update that as and when and then periodically enter into xl and replace the existing copies in the cabinet.
My wife is well aware of this strategy but whether she will be able to cope with it all sadly I won't be around to see.



bmwmike

7,061 posts

111 months

Friday 14th June
quotequote all
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.

There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?


supersport

4,125 posts

230 months

Friday 14th June
quotequote all
bmwmike said:
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.

There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?
1Password


Somebody

1,234 posts

86 months

Friday 14th June
quotequote all
I would suggest to be safe re account access (unless in joint names) you should also have Property & Financial Lasting Power of Attorneys in place?


Edited by Somebody on Friday 14th June 18:09

Pit Pony

8,969 posts

124 months

Friday 14th June
quotequote all
bmwmike said:
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.

There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?
What's your password to password manager?

Legacywr

12,342 posts

191 months

Friday 14th June
quotequote all
7 5 7 said:
It's (5.2%) on univested cash, they are hoping you would use on the platform, only came across it as I dabble on there myself with a S&S ISA - probably more a teaser incentive to get more custom and probably won't last.
So, let me get this clear, I put my money into the investment account, but I don’t make any investments, just get the interest on the balance?

Funk

26,389 posts

212 months

Friday 14th June
quotequote all
Legacywr said:
So, let me get this clear, I put my money into the investment account, but I don’t make any investments, just get the interest on the balance?
There is a Cash ISA option as well as a S&S ISA option. If you just want the interest on the money with no risk, put the money in the Cash ISA.

Edited by Funk on Friday 14th June 19:22

Saleen836

11,195 posts

212 months

Friday 14th June
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Trading212 appear to have spent a small fortune on advertising, have seen their advert twice now during prime time tv today

Ari

19,367 posts

218 months

Monday 17th June
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NerveAgent said:
NickZ24 said:
no bank is a safe investment.
IMHO there is no safe investment really.
Safer is to buy land, have Gold, germs.
Which germs do you recommend? My 1 year old is investing heavily in these at nursery.
Imagine how much you'd have made if you'd invested in Covid back in early 2019, before everyone got into it. biggrin

the tribester

2,478 posts

89 months

7 5 7 said:
Luckily enough managed to get the CHASE (5.1%) which I am happy with until it expires in November.

Trading 212 do (5.2%), and Wealthily do a (4.9%) - all easy access accounts.
My Chase 5.1% expires 16th Jan 2025.

bmwmike

7,061 posts

111 months

Getting around 5.3 on a money market fund via vanguard if anyone likes a punt