7.50% Savings, Mid-Year Wealth Check-In & More

Here’s your 5-minute weekly June investing brief — crafted to help you save smarter, invest better, and grow long-term wealth👇

💸 Top High‑Interest Accounts (June 2025)

Whether you're saving for an emergency fund or just want your cash to work harder, these are the best UK savings accounts right now — no gimmicks, just high interest.

💼 Easy Access

• Chase Bank – 5.00% AER
  Includes a linked current account. Great app and handy round-up features.

• Atom Bank – 4.90% AER (↑)
  App-only, interest paid monthly. No withdrawal restrictions.

• Snoop – 4.65% AER (↑)
  Flexible access with a clean user interface. Worthwhile for casual savers.

• Cahoot (by Santander) – 4.55% AER
  Online only, easy to open, no penalties for accessing your money.

🔐 Fixed-Term (1-Year Fix)

• Marcus by Goldman Sachs – 4.55% AER
  Simple, trusted platform. Interest paid monthly or annually.

• Cynergy Bank – 4.58% AER (↑)
  FSCS protected, solid customer reviews, good rate lock-in.

• Vanquis Bank – 4.50% AER
  Funds are locked in for a full year — no withdrawals allowed.

• GB Bank – 4.50% AER
  UK challenger bank offering competitive returns for savers.

📈 Regular Savings

• Principality Building Society – 7.50% AER
  Fixed for 6 months. Save up to £200/month. Early closure allowed without penalty.

• Zopa (via Biscuit) – 7.10% AER
  Requires opening their new “Biscuit” current account, which also offers cashback perks.

• First Direct – 7.00% AER
  You’ll need their current account. Save up to £300/month over 12 months.

• Co-operative Bank – 7.00% AER
  Open to new and existing current account customers. 12-month fixed term.

• Nationwide – 6.50% AER
  “Flex Regular Saver” — no withdrawals allowed, 12-month term, max £200/month.

• Melton Building Society – 6.50% AER
  Regional account with strong terms if you’re eligible.

🧠 Smart Saving Tips

• Use easy access accounts for your emergency fund or short-term goals.

• Lock in a fixed term if you won’t need the cash for a year.

• Take advantage of regular savers by drip-feeding from your easy-access pot each month.

• Many top accounts require a linked current account — always check.

• Many top accounts require a linked current account — make sure you check before applying.

📈 Stock Standouts (July)

Top UK Performers

• Rolls‑Royce: +10.4%
  Ongoing gains from aviation and defence contracts.

• Barclays: +6.3%
  Improved margins from higher interest rates and strong Q2 results.

• easyJet: +5.8%
  Summer travel surge continues to boost revenues.

Global Movers

• NVIDIA: +15.7%
  Still leading AI chip innovation. Strong data center demand.

• TSMC: +11.3%
  Stabilising supply chains and growing AI semiconductor orders.

• Alphabet (Google): +9.1%
  Advertising recovery and cloud revenue drive momentum.

💡 These stocks heavily influence ETFs like VWRL (FTSE All-World), VUSA (S&P 500), and IWDA (MSCI World) — meaning index investors also benefit from these gains.

🇬🇧 UK Economy & Market Snapshot

• Bank of England Base Rate: 4.25% (unchanged this month)

• Inflation: 3.2% (↓ from 3.4% in May)
  Continued progress toward BoE’s 2% target.

• 2-Year Fixed Mortgage Rate: ~5.05% (↓ slightly)

• Easy-Access Savings Average: ~4.8% (↑ modestly)

🧠 Takeaway:
The backdrop is improving for savers and long-term investors:
✔️ Stable interest rates
✔️ Slowing inflation
✔️ High savings rates
✔️ Gradual market confidence returning

💷 Smart Money Moves (Mid-July 2025)

• ✅ Lock in a fixed-term account if you’re holding extra cash — rates around 4.55%+ are strong in today’s market.

• ✅ Mid-year portfolio check-up — rebalance if needed. Realign with your risk appetite and financial goals.

• ✅ Check your ISA & LISA contributions — topping up early maximises potential tax-free growth.

🧠 Small, consistent tweaks can compound into real results.

📊 Mid-Year Wealth Check-In

July is the perfect time to pause and take stock of your financial trajectory.

Here’s a 5-step check-up to help you stay on course for the rest of 2025:

1. Review your net worth
   Track your assets vs liabilities. A simple snapshot now helps you spot trends — is your wealth growing, stagnating, or slipping?

2. Re-balance your portfolio
   After a volatile first half of the year, your asset allocation might be drifting. Check your equity/bond/cash split and re-balance to match your risk profile.

3. Top up your ISAs and LISAs
   Don’t leave it to March. Maximise your £20k ISA allowance early — let tax-free compounding work longer for you.

4. Boost your emergency fund
   With savings rates above 4.5%, there’s never been a better time to top up your safety net — aim for 3–6 months of expenses.

5. Set one new financial goal
   Whether it’s paying down debt, investing a fixed amount monthly, or starting a pension — focus on a small, achievable goal for the second half of the year.

🧠 A few hours of intentional planning in July can set up months of confident progress — and reduce financial stress later.

Let’s keep building — slowly, smartly, and consistently.

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Thanks for reading — here’s to building long-term growth!
Steady as we grow,
Harry