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Savings and Investments thread
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I saw a programme once that was about the NSI people who go round to the houses of people who win a million on the premium bonds to tell the winners the good news.PragueAddick said:I’m away and can’t be arsed to look. I didn’t get The Call. That’s all that matters.
Speaking of The Call do you only get it if you have the Million or do they do something for lower levels of big win? I’ve never seen an article about it, I wonder if they have somehow persuaded the media to stay vague about it. If so that would be quite an achievement.
As far as I recall, they go round the last day of the previous month. So I always get excited when a strange car pulls up outside my house on the last day of the month!0 -
So can we assume you now have £50 worth…. I’d like to think that doubles your chances. But, I’m sure mathematically that’s not true.IdleHans said:Encouraged by this thread I have just topped up my ancient £50 holding (never won a bean) and I look forward to reporting not winning anything further in future to make the rest of you feel even smugger with your payouts.0 -
Surely if you double your holding you double your chances of some sort of prize, like buying two lottery tickets, but with slightly better odds.
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Martin Lewis gives the odds of winning a prize from PB's. I think you have more chance of having sex with an alien than winning the jackpot with £50.0
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For all those who've entered and as at Todays scores;
Name Level Variance % Variance Covered End 7412 2.89 0.04% Bangkokaddick 7415 5.89 0.08% bobmunro 7398 11.11 0.15% CharltonKerry 7375 34.11 0.46% blackpool72 7450 40.89 0.55% LargeAddick 7347 62.11 0.84% TheGhostofTomHovi 7476 66.89 0.90% Morboe 7337 72.11 0.97% Jamescafc 7325 84.11 1.14% Daarrrzzettbum 7323 86.11 1.16% RalphMilne 7496 86.89 1.17% Lonelynorthernaddick 7500 90.89 1.23% cafcpolo 7303 106.11 1.43% CAFCWest 7299 110.11 1.49% holyjo 7543 133.89 1.81% CAFC, we hate palace 7550 140.89 1.90% StrikerFirmani 7550 140.89 1.90% Hoof_it_up_to_benty 7265 144.11 1.95% fat man on a moped 7252 157.11 2.12% HardyAddick 7250 159.11 2.15% wwaddick 7250 159.11 2.15% Rob7Lee 7234 175.11 2.36% cafc7-6htfc 7202 207.11 2.80% Addick Addict 7652 242.89 3.28% Thread Killer 7166 243.11 3.28% guinnessaddick 7654 244.89 3.31% Fortune 82nd Minute 7159 250.11 3.38% PragueAddick 7140 269.11 3.63% Pedro45 7133 276.11 3.73% thecat 7124 285.11 3.85% Gary Poole 7074 335.11 4.52% golfaddick 7050 359.11 4.85% @TelMc32 7777 367.89 4.97% WishIdStayedInThe Pub 7000 409.11 5.52% meldrew66 6977 432.11 5.83% IdleHans 6950 459.11 6.20% valleynick66 7899 489.89 6.61% MrOneLung 7955 545.89 7.37% oohaahmortimer 6789 620.11 8.37% KentAddick 6750 659.11 8.90% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 909.11 12.27% No.1 in South London 6475 934.11 12.61% 0 -
Let's end it now
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And what are the chances of having sex with an alien for £50? Asking for a friend.golfaddick said:Martin Lewis gives the odds of winning a prize from PB's. I think you have more chance of having sex with an alien than winning the jackpot with £50.
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Depends how you define 'alien' I guess. A 'happy & contented Charlton fan' maybe - but would still be an outsiderGary Poole said:
And what are the chances of having sex with an alien for £50? Asking for a friend.golfaddick said:Martin Lewis gives the odds of winning a prize from PB's. I think you have more chance of having sex with an alien than winning the jackpot with £50.
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Nothing this month. Had nothing more than £25 for the past 6 months……..the big one is clearly overdue.0
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Been an interesting couple of months on my Pensions/ISA's
I switched provider during June for my main pension and one of my ISA's, it took longer than expected meaning I was holding all as cash from around the beginning of March so I missed the big dip.
Having moved it in late June I dropped just over 1% that month.
However July it bounced back big time, up by almost 6%
So far August looks pretty too, up almost 1%.
Anyone else seen a big bounce back?
My largest holding (around 25%) is in an S&P 500 tracker which has performed the best, up nearly 9% since transferring towards the end of June.0 - Sponsored links:
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musk sold billions of his tesla stock in the last 7 days. Smart money is moving out of the market by the looks of it...0
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Had to raise cash in case he is forced to buy Twitterkentaddick said:musk sold billions of his tesla stock in the last 7 days. Smart money is moving out of the market by the looks of it...2 -
Not sure he's a good barometer when it comes to markets. Tesla is up 20% in under a month, I'd be selling them as well if I were him and Twitter were on my case!kentaddick said:musk sold billions of his tesla stock in the last 7 days. Smart money is moving out of the market by the looks of it...0 -
That's the big low point time for most of my funds. It's hard to be precise with the pathetic information H-L provide, but Vanguard 40% LifeStrategy is up just over 6% from that point.Rob7Lee said:Been an interesting couple of months on my Pensions/ISA's
I switched provider during June for my main pension and one of my ISA's, it took longer than expected meaning I was holding all as cash from around the beginning of March so I missed the big dip.
Having moved it in late June I dropped just over 1% that month.
However July it bounced back big time, up by almost 6%
So far August looks pretty too, up almost 1%.
Anyone else seen a big bounce back?
My largest holding (around 25%) is in an S&P 500 tracker which has performed the best, up nearly 9% since transferring towards the end of June.
I am not banking on further progress from here. It's interesting that there are tentative mutterings that inflation in the US may have peaked, and that will certainly help you if you have such a large holding in that tracker, but it's still 'may', and in the UK we have the ridiculous Tory leadership contest stalling much needed action to contain energy -led inflation. And in Europe we brace for a tough winter with gas shortages.
Over here I have 5.3% on a bank term deposit of 9 months. Took it three weeks ago. It will be a good investment if the Czech crown holds against sterling. Last few months it has done. And anyway it will be cash I need for taking our house 'renewable', which itself is a top investment.
I didn't see any significant new savings rate increases yet from UK outlets following the rate rise last week. Lamentable. 2.15% is currently best I have from some bank I'd never heard of on Raisin.0 -
The high street/well known banks have been dire on savings for many many years and no sign of that massively changing. My banks (HSBC and First direct) pay 0.2% on their instant access! Although bonus pays 1.31% I think if you don't make any withdrawals in the month.PragueAddick said:
That's the big low point time for most of my funds. It's hard to be precise with the pathetic information H-L provide, but Vanguard 40% LifeStrategy is up just over 6% from that point.Rob7Lee said:Been an interesting couple of months on my Pensions/ISA's
I switched provider during June for my main pension and one of my ISA's, it took longer than expected meaning I was holding all as cash from around the beginning of March so I missed the big dip.
Having moved it in late June I dropped just over 1% that month.
However July it bounced back big time, up by almost 6%
So far August looks pretty too, up almost 1%.
Anyone else seen a big bounce back?
My largest holding (around 25%) is in an S&P 500 tracker which has performed the best, up nearly 9% since transferring towards the end of June.
I am not banking on further progress from here. It's interesting that there are tentative mutterings that inflation in the US may have peaked, and that will certainly help you if you have such a large holding in that tracker, but it's still 'may', and in the UK we have the ridiculous Tory leadership contest stalling much needed action to contain energy -led inflation. And in Europe we brace for a tough winter with gas shortages.
Over here I have 5.3% on a bank term deposit of 9 months. Took it three weeks ago. It will be a good investment if the Czech crown holds against sterling. Last few months it has done. And anyway it will be cash I need for taking our house 'renewable', which itself is a top investment.
I didn't see any significant new savings rate increases yet from UK outlets following the rate rise last week. Lamentable. 2.15% is currently best I have from some bank I'd never heard of on Raisin.
That said shop around and now 3%+ is available for 1 year fixed, very little difference to that and the 2/3/5 year fixes.0 -
Chase and Marcus are now both at 1.5% with instant access.Rob7Lee said:
The high street/well known banks have been dire on savings for many many years and no sign of that massively changing. My banks (HSBC and First direct) pay 0.2% on their instant access! Although bonus pays 1.31% I think if you don't make any withdrawals in the month.PragueAddick said:
That's the big low point time for most of my funds. It's hard to be precise with the pathetic information H-L provide, but Vanguard 40% LifeStrategy is up just over 6% from that point.Rob7Lee said:Been an interesting couple of months on my Pensions/ISA's
I switched provider during June for my main pension and one of my ISA's, it took longer than expected meaning I was holding all as cash from around the beginning of March so I missed the big dip.
Having moved it in late June I dropped just over 1% that month.
However July it bounced back big time, up by almost 6%
So far August looks pretty too, up almost 1%.
Anyone else seen a big bounce back?
My largest holding (around 25%) is in an S&P 500 tracker which has performed the best, up nearly 9% since transferring towards the end of June.
I am not banking on further progress from here. It's interesting that there are tentative mutterings that inflation in the US may have peaked, and that will certainly help you if you have such a large holding in that tracker, but it's still 'may', and in the UK we have the ridiculous Tory leadership contest stalling much needed action to contain energy -led inflation. And in Europe we brace for a tough winter with gas shortages.
Over here I have 5.3% on a bank term deposit of 9 months. Took it three weeks ago. It will be a good investment if the Czech crown holds against sterling. Last few months it has done. And anyway it will be cash I need for taking our house 'renewable', which itself is a top investment.
I didn't see any significant new savings rate increases yet from UK outlets following the rate rise last week. Lamentable. 2.15% is currently best I have from some bank I'd never heard of on Raisin.
That said shop around and now 3%+ is available for 1 year fixed, very little difference to that and the 2/3/5 year fixes.0 -
Does anybody have any links to the best 3pc + savings accounts?0
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I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.0 -
blackpool72 said:I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.Are you happy to leave it for a bit or do you want to keep it accessible?0 -
Happy to leave it for a bit.IdleHans said:blackpool72 said:I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.Are you happy to leave it for a bit or do you want to keep it accessible?0 - Sponsored links:
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fluid.chblackpool72 said:I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.
DYOR etc 0 -
About the best you'll get for 1 year fixed.blackpool72 said:
Happy to leave it for a bit.IdleHans said:blackpool72 said:I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.Are you happy to leave it for a bit or do you want to keep it accessible?
https://www.unionpremierbond.unionbankofindiauk.co.uk/
Covered by the Financial Services Compensation Scheme.0 -
Just from H-L's active savings page, they are offering the following, all protected under FSCS:Instant 1.1%6m 2.01%9m 2.36%12m 2.85%18m 2.9%24m 3.15%These wont be the absolute highest rates you can find but a good idea of what's out there. Bear in mind base rates are likely to increase again when considering whether or not to lock into a rate offered now.1
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Cheers all.0
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Re investments. I finally got Golfie Jnr to move his Child Trust Fund into an ISA now he's 18 (will be 19 next month so you can see how long it's taken him) and to also add into it his 18th birthday money that's been sitting in his bank account all that time too.
Over the month it's been in there it's made 3.7%. He's loving seeing the money grow day by day but I've warned him that the gains (and more) could all be wiped out tomorrow.
As @PragueAddick said - June was about the lowest funds got to and now we are seeing a small recovery. No idea how long it will last & my usual pessimistic self came to the fore when selecting my FTSE level for 31st Dec - some 400 points lower than it is today. 😔0 -
This is always a good place to start;
https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/
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Theres a few above that like Zopa at 1.8%+ - I'm not holding lots of cash so can't be bothered to chase the headline rate for a few quid.bobmunro said:
Chase and Marcus are now both at 1.5% with instant access.Rob7Lee said:
The high street/well known banks have been dire on savings for many many years and no sign of that massively changing. My banks (HSBC and First direct) pay 0.2% on their instant access! Although bonus pays 1.31% I think if you don't make any withdrawals in the month.PragueAddick said:
That's the big low point time for most of my funds. It's hard to be precise with the pathetic information H-L provide, but Vanguard 40% LifeStrategy is up just over 6% from that point.Rob7Lee said:Been an interesting couple of months on my Pensions/ISA's
I switched provider during June for my main pension and one of my ISA's, it took longer than expected meaning I was holding all as cash from around the beginning of March so I missed the big dip.
Having moved it in late June I dropped just over 1% that month.
However July it bounced back big time, up by almost 6%
So far August looks pretty too, up almost 1%.
Anyone else seen a big bounce back?
My largest holding (around 25%) is in an S&P 500 tracker which has performed the best, up nearly 9% since transferring towards the end of June.
I am not banking on further progress from here. It's interesting that there are tentative mutterings that inflation in the US may have peaked, and that will certainly help you if you have such a large holding in that tracker, but it's still 'may', and in the UK we have the ridiculous Tory leadership contest stalling much needed action to contain energy -led inflation. And in Europe we brace for a tough winter with gas shortages.
Over here I have 5.3% on a bank term deposit of 9 months. Took it three weeks ago. It will be a good investment if the Czech crown holds against sterling. Last few months it has done. And anyway it will be cash I need for taking our house 'renewable', which itself is a top investment.
I didn't see any significant new savings rate increases yet from UK outlets following the rate rise last week. Lamentable. 2.15% is currently best I have from some bank I'd never heard of on Raisin.
That said shop around and now 3%+ is available for 1 year fixed, very little difference to that and the 2/3/5 year fixes.0 -
@Blackpool72 Open a Chase Account (if you have a smart phone). Their saver is paying 1.5%. Their current is paying 1% cashback on most everyday purchases (there are exceptions).blackpool72 said:I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk
Ta.1 -
That’s the one, really useful, used this guide for years.Rob7Lee said:This is always a good place to start;
https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/Also logon to “Thisismoney.com” go to “Saving and Banking” section. On the right is a Best Buy savings table. This shows all the best accounts available by type, Easy Access, Fixed Rate Bonds etc.0 -
I’d appreciate some advice please. I’ve got several small pension plans. Got a statement for one today saying that its current value is 115k. The future premiums will add up to 20k over the next 7 years until I reach 65, but they state that the estimated value will then be 70k, i.e. they’ll lose my future premiums and 45k in value in next 7 years! What am I missing here?
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