ok that time off year get you isas in

[big-all]

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 ??

[Inky Pete]

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.

[moderator6]

was this doing in the acrylics forum

[southwood3]

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

[big-all]

0.35% increase in allowance waweee

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

[BillyGoat]

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

[big-all]

how much do you have in bonds ??
a bank account would yield £25 for every £1000 saved at 2.5%

[thescruff]

http://www.hl.co.uk/news/tv/hltv-highli ... Override=1

[aeromech3]

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!

[big-all]

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 ??

[aeromech3]

£80.27 @5%
£520.50 @ 9%
Guessing a Tradesmans wage would have been about £20/week back then!?

[BillyGoat]

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

[thescruff]

Trouble with that BG is you are better if they are in a block and not just a load of add on.

[BillyGoat]

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

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

BG

[big-all]

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

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