Best savings account?
- Thread starter Merlin5
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Soldato
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Why have both? The S&P500 is essentially included as part of the All World, you're just double dipping the top 10 stocks.
Not to mention that this year the All World has actually outperformed the S&P 500.
You'd be better of just having everything in the single all world ETF.
I'm personally in the SPDR MSCI All Country World which covers both developed and emerging markets and has a ter of only 0.12% compared to Vanguards 0.22% and the All Country has actually outperformed the Vanguard fund so far this year too.
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Personal choice
Since when have a single intra years returns been a meaningful comparison of anything?
Double dipping, or rather more weighting to the US tech giants has paid off over recent years. Of course people continue to jump into that trade, whether it continues who knows.
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Since when have a single intra years returns been a meaningful comparison of anything?
Double dipping, or rather more weighting to the US tech giants has paid off over recent years. Of course people continue to jump into that trade, whether it continues who knows.
What website /tool is that please? Is it free? Looks useful!
Soldato
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Starling not dropping their rates this time. 
Sticking @3.75%
Sticking @3.75%
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Trustnet.
Starling not dropping their rates this time.
That's not the flex you think it is... 3.75 was hardly competitive before!
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Soldato
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That's not the flex you think it is... 3.75 was hardly competitive before!
I know but it’s far from the worst. Flex??
I was only referring to easy access savings as well, a lot of the better rates are all boosted it seems for new customers, like Chase, Chip, can’t be bothered moving money again only for the rate to plummet after a while.
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Associate
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Marcus with an cash ISA rate drop. Just requested a full transfer to my Vanguard Stocks and Shares ISA.
It was an "OK" rate to begin with, but it was handy emergency cash, just in case.
It was an "OK" rate to begin with, but it was handy emergency cash, just in case.
Soldato
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Their cash ISA is 3.85% which is the same as Trading212, so I've moved my cash back over to Starling as it's just my emergency fund so I'd rather that be with my bank and instantly accessible rather than potentially taking 3 days to transfer, though to be fair I've only ever had to wait maybe 1 day maximum before when transferring cash out from Trading 212.Starling not dropping their rates this time.
Starling not dropping their rates this time.
Trading 212 withdrawals are pretty much instant for the cash ISA . although Iv only done about 3 small withdrawals ( not recent ones) with them.
have been with them for a few months now.
I dont withdraw for my ISA at the moment as I have the chase savings account
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Modern wisdom suggests that you should be able to plan ahead enough to cope with a 3 day wait for a transfer, more, even.
In the event it's not, that's what emergency funds in instant access savings are for, or credit cards/overdrafts.
Same here
