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Plum: Smart Saving & Investing
Plum: Smart Saving & Investing Vs. Tembo - Saving & Homebuying

Plum: Smart Saving & Investing против Tembo - Saving & Homebuying Использование & Stats

Description only relevant for UK customers Plum’s on a mission to help you grow your money for life, with automated deposits, accessible investing & smart saving. SET ASIDE MONEY AUTOMATICALLY • Build a money-saving habit by scheduling deposits for a fixed amount each week or on pay day • Smart rules keep you in control of your money, with options like our Al algorithm, Round Ups or easy challenges like the 1p Challenge EARN 4.92% AER (variable) WITH A PLUM CASH ISA • Unlock tax-free savings with easy access to your money • Start with as little as £1 • Transfer in an existing ISA and earn 4.04% AER (variable) • Eligible deposits are FSCS protected Rate as at 13/08/24. Subject to conditions. T&Cs and ISA rules apply. Only includes bonus rate if held for 12 months. GROW YOUR SAVINGS • Earn up to 4.59% AER (variable) with our classic easy-access Interest Pocket • Or get an even better rate with a 95-day Notice Account at 5.2% AER (variable) • Both accounts are FSCS-protected for peace of mind, and provided by Investec Bank Plc. EARN UP TO 4.90%* WITH PLUM INTEREST • Get returns that follow the Bank of England base rate with this low-risk MMF • Enjoy easy access with 1-business day withdrawals • Add as much or as little as you want Capital at risk. *Variable rate correct as at 24/10/24. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed. UNLIMITED COMMISSION-FREE† STOCK INVESTING • Create your profile in minutes to start buying and selling US company stocks • Invest in up to 3,000 companies like Amazon or Tesla • Set up recurring buy orders and price alerts to put your investing strategy into action † A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90. DIVERSIFY YOUR INVESTMENTS WITH FUNDS • Choose from up to 26 different funds themed around risk level or sector • Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus • Premium funds allow greater diversification through the inclusion of Gold, Biotech and Real Estate assets • Funds are professionally managed and each contains lots of different company shares • Available with Plum Pro plan or above (from £2.99/month) ‡ Here are the fees when you invest in funds with Plum: • £2.99 minimum monthly subscription • 0.90% annual Assets Under Management (AUM) and average fund management fee§ • No withdrawal fees/limits § This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose. GET RETIREMENT-READY • Consolidate your existing pensions into one Personal Pension (SIPP) • Choose from risk managed or diversified global funds • No subscription fee for a Plum SIPP • 0.89% annual Assets Under Management (AUM) and average fund management fee • Get tax relief on your contributions This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose. SECURITY • We support biometric security • Any sensitive data we hold is stored using symmetric cryptography (AES) • We never share your data with third parties without consent • Customer support available 7 days a week Plum Fintech Ltd is an agent and distributor of PayrNet Ltd (FRN 900594) and Modulr FS Ltd (FRN 900573), respectively, both authorised as EMIs by the FCA. Plum Fintech Ltd (FRN: 836158) is a registered AISP with the FCA. Saveable Ltd (FRN: 739214) is authorised and regulated by the FCA as an investment firm. Plum is a trading name. For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio. 2-7 Clerkenwell Green, London, EC1R 0DE.

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Tembo - Saving & Homebuying

Make home happen with Tembo: the savings app built for first-time buyers. Getting on the ladder just got easier. Whether you’re building a house deposit or want to maximise your savings, we’ve got you covered. Why Tembo?: Award-winning app trusted by thousands of first-time buyers. Save your way using an app that’s built with you in mind. Top up on the go or pay in monthly, track your progress towards your goals, calculate your time to buy, plus expert tips & webinars! Expert mortgage advice – fee-free through our award-winning mortgage service. That’s a saving of up to £749! Safe and secure. Your savings are protected up to £85,000 under the Financial Services Compensation Scheme — Our competitive Cash ISA: Save up to £20,000 each tax year for whatever you want Earn 4.8% AER - 2.9x higher interest vs saving with the Big 4 banks - that’s over £500 more in interest alone! Withdraw funds whenever you need. No fees, no penalties. Simple terms with no nasty surprises. Your rate won’t drop after 12 months, when you make multiple withdrawals or when your balance falls too low (unlike other providers) Watch your interest grow daily, and we’ll pay out monthly LIFETIME ISAS Boost your house deposit with a 25% government bonus of up to £1,000 each tax year. This could add up to a max bonus of £32,000. Our market-leading Cash Lifetime ISA: Earn the market-leading 4.8% AER (variable) interest rate on your savings No gimmicks and no introductory rates Earn over £800 more over 5 years vs closest competitor See how much interest you’re earning daily, paid monthly Our ethical Stocks and Shares Lifetime ISA: Invest in a high-growth ESG fund, delivering 12% return over last year Chosen for its ethical characteristics, it’s good for the planet too. No monthly fee (unlike other providers). Instead, only pay our 0.35% platform fee and 0.17% fund provider fee. Our ultimate mortgage package: Advice from the UK’s Best Mortgage Broker as voted by our customers in 2022, 2023 & 2024 Your own dedicated mortgage team by your side, on hand from the first call to getting your keys. Free property insight reports: 120+ data points to help you house hunt & offer with confidence Access to our panel of experts, tried & tested conveyancers, surveyors and more Tools to get you mortgage ready: Compare rates, get a Mortgage in Principle & calculate your Stamp Duty Ready to save smarter and get your keys faster? Tembo – The mortgage & savings app designed for first-time buyers. Download the app now to start your journey to homeownership. Rates accurate Jan 2025, subject to change. Market-leading defined as having best Lifetime ISA rate, excluding introductory offer periods. Your home may be repossessed if you do not keep up with your mortgage payments. Tembo Cash ISA: Based on saving £100 monthly for 5 years. Calculations show at month 61 Tembo customers saving at 4.8% would have £527.84 more vs saving with Barclays, HSBC, NatWest or Lloyds. Tembo LISA: The 25% bonus and tax-free benefits of these accounts depend on government policy and tax rules, which can change at any time. Tembo Stocks & Shares LISA: Capital at risk. Past performance is not a guide to future returns. You could get back less than you put in. Based on performance of Blackrock MyMap 5 Select ESG Fund, which delivered 13% return in 2021, -13.3% in 2022 and 12.3% in 2023. High growth defined as above 10%, the average stock market return as measured by the S&P 500 index Tembo, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA and Nude are trading names of Nude Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 928010) and registered as an account information services provider (FRN: 913654). We are a private limited company registered at 18 Crucifix Lane, London, SE1 3JW, with registration number 12008146. Nude is a registered trade mark of Nude Finance Limited (12008146) (TM Reg No UK00003263387).