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.
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.
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!
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.
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.
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.
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...
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!
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Chase and Marcus are now both at 1.5% with instant access.
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.
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. 😔
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.
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.
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.
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.
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.
Chase and Marcus are now both at 1.5% with instant access.
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.
I currently have 15k sitting in a Barclays account earning zilch.
Any advice where it can earn a bit of interest without risk Ta.
@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).
That’s the one, really useful, used this guide for years.
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.
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?
Comments
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!
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.
Any advice where it can earn a bit of interest without risk
Ta.
https://www.unionpremierbond.unionbankofindiauk.co.uk/
Covered by the Financial Services Compensation Scheme.
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. 😔
https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/