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PostPosted: Thu Mar 28, 2013 1:02 am 
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i am looking at halifax at 3% return a year on £5640 for 3 years fixed in a isa tax free
now i am happy with that but would like a higher return at medium risk
has anyone got any suggestions as a non tax payer ?? :thumbright:

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PostPosted: Thu Mar 28, 2013 3:06 am 
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I've got a unit trust based stocks and shares ISA using a fund of Asia Pacific (excluding Japan) investments which has averaged about 11% for each of the last 5 years, and has done 14% in the last 12 months.

I can PM you the details if you want a look at it.


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PostPosted: Thu Mar 28, 2013 5:47 am 
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:wtf: was this doing in the acrylics forum :lol:

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PostPosted: Thu Mar 28, 2013 9:44 am 
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The cash element has been increased to £5760 for 2013/14. The shares ISA has also been raised. The lock-in deals are the way to go but a measly 3% seems to be about the norm at the moment. I see all the banks are now plugging their ISAs but never display their interest rates. It pays to have a reminder in your phone/diary because when the fixed term expires they automatically drop the rate to something ridiculously low - the robbing swines.

Nice returns there Inky but the risk is too heavy for me :salute:



For this message the author southwood3 has received gratitude : big-all
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PostPosted: Thu Mar 28, 2013 12:18 pm 
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0.35% increase in allowance waweee :lol: :lol:

inky peat i would be interested to look but unlikely to invest as the money i invest would be less than 10k as thats all i can afford to loose before my state pension in 6 years time
what are the annual running costs are they fixed no matter what you invest variable on amount or a mixture off both :thumbright:

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PostPosted: Thu Mar 28, 2013 12:21 pm 
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I just chuck all my "spare" cash in premium bonds. I know it's a gamble, but it's paid 10X that any bank account I've ever had.

25 quid cheques come regularly. My parents get 50's and 100's just about every month!!

BG

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PostPosted: Thu Mar 28, 2013 1:46 pm 
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how much do you have in bonds ??
a bank account would yield £25 for every £1000 saved at 2.5%

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PostPosted: Thu Mar 28, 2013 2:08 pm 
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http://www.hl.co.uk/news/tv/hltv-highli ... Override=1


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PostPosted: Thu Mar 28, 2013 2:54 pm 
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I've held £7 in PSB since 1963 and despite being registered have never won a penny, still I am considerring at present savings % rates there is not much to loose and put a lump sum in and least I shall have something to get excited about each month!


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PostPosted: Thu Mar 28, 2013 3:16 pm 
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aeromech3 wrote:
I've held £7 in PSB since 1963 and despite being registered have never won a penny, still I am considerring at present savings % rates there is not much to loose and put a lump sum in and least I shall have something to get excited about each month!


if you invested £7 in in 63 in a savings account at only 5% how much would it be worth now do you think??
and the same £7 at 9% average ??

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PostPosted: Thu Mar 28, 2013 4:00 pm 
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£80.27 @5%
£520.50 @ 9%
Guessing a Tradesmans wage would have been about £20/week back then!?


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PostPosted: Thu Mar 28, 2013 4:09 pm 
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big-all wrote:
how much do you have in bonds ??
a bank account would yield £25 for every £1000 saved at 2.5%


At the moment, only a couple of grand. I had about 17k but it went into the other house. Parents have 30k each, the maximum - any money from mine goes into more bonds automatically. Any they get, has to be cash.

BG

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PostPosted: Thu Mar 28, 2013 4:12 pm 
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Trouble with that BG is you are better if they are in a block and not just a load of add on.


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PostPosted: Thu Mar 28, 2013 4:26 pm 
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thescruff wrote:
Trouble with that BG is you are better if they are in a block and not just a load of add on.


It's not enough going in for me to really care atm.

It's great for me as I rarely plan (other than work) past 2 days which means I don't ever take it out. Takes 5 days, which pretty much rules any big purchase out :lol:

It works for me, but not for anyone after regular income.

BG

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PostPosted: Thu Mar 28, 2013 5:18 pm 
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BillyGoat wrote:
big-all wrote:
how much do you have in bonds ??
a bank account would yield £25 for every £1000 saved at 2.5%


At the moment, only a couple of grand. I had about 17k but it went into the other house. Parents have 30k each, the maximum - any money from mine goes into more bonds automatically. Any they get, has to be cash.

BG


you up on the average then if you get 3 x£25 a year :thumbright:

your parents could always take out £1000 to give them room to leave the winnings in :lol:

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