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Yet again, nothing for me..
Not that I expect anyone to disclose their holding, but it would be interesting to see what the winning is as a ratio.
Oh and its 100 quid for us this month, worth it just for the fun and little treats we buy with any winnings.
for the 7 months I can see in the app, I'm running at 2.6%, which extrapolated out over the year is the equivalent of 4.46%. For comparison I tied my cash ISA up for 2 years last december at 4.11%
nationwide 1 yr bond is now 4.10% thats my choice if ernie doesn't buck up his ideas in next 2 mths
Leeds Building Society offering 4.45% in 1 year bonds and 4.77% on 1 year fixed cash ISA's and 5.25% on 18 months.
wow thats good.. tempted to do it now thinking hat on...
wife worried about the taxman and she loves the draw...... me i have my logical head on
thanks but I meant government bonds not premium bondsNope. But then any ‘winnings’ do not count against your personal savings interest allowance.
Yes you can but I'm sure the bond must be 'listed' on the stock market.can you buy bonds within a S&S ISA envelope?
Good result this morning for July!
Me £75
Wife £1125
I would suggest you consider that route unless your appetite for risk leaves you comfortable with your current approach.
very much the case, mine was a conscious decision to make my own arrangements for retirement funding as it became practical for me to start saving at the time of the murdoch pension scandals which destroyed any trust I had in institutionalised savings. Diversifying means you may not get the best possible returns, but equally you shouldn't suffer the worst of disasters......My problem and I suspect many at pension age is.. the money I have in savings is it... If I was to lose any I cant really build it back up again ..If I was younger then the risk isnt as scary as you can rebuild.. theres not that much opportunity to rebuild or save up again nowerdays at a certain age
Welcome to my club..well after £575 last month, zip, nada, nil, not a sausage this time. Not a happy bunny
I am sure that you are aware that each UK taxpayer has an annual personal savings allowance tax free of £1000. Anything over that, outside of an ISA, is taxable at the appropriate rate. With fixed rate bonds paying 5% plus it is fairly easy to hit that.
I believe that Premium Bond interest is not counted.