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Savings and Investments thread
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I have received this information from St James Place Investment Market Update - 30 March 2023. Does this mean that we no longer have to panic about our investments? This might seem a silly question to those in the know.
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The possible panic regarding banks collapsing seems to have been averted for the time being, but the SJP note simply shows how various indexes have moved in the previous 24 hours or so, and while positive is of no significance.Solidgone said:I have received this information from St James Place Investment Market Update - 30 March 2023. Does this mean that we no longer have to panic about our investments? This might seem a silly question to those in the know.
There's still a lot of noise about an impending stock market crash, but despite all the claims and opinions, nobody really knows.1 -
Markets around the world have all increased this week by around 2%-3%. Probably a combination of thoughts that the banking "crisis" was overdone & also that interest rates will reduce sooner than expected.1
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1 @ £50 for me & the same for herself, this month.0
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£325 today (1 x £25 and 3 x £100). Almost pays for next season’s ST 😊6
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1x £25 for me, 1 x £50 for Mrs R7L and £50 for youngest daughter. Father in laws to follow - EDIT £25.0
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2x£50 not as good as last month but better than funk all0
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This lucky winner, 4th from the bottom, shows that there's hope for us all.1 -
£250.00 for me this month after a blank last month
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4th month in a row of F all here0
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£125 (£25, £100) for Mrs Chaz and £200 (£25x2, £50, £100) for junior and a big fat bugger all for me. Shouldn’t complain as been on quite reasonable run recently but….0
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SFA por moi.0
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£100 for me, £75 for the better half, £100 for my Mum0
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£150 for me. £100 & 2x£25.
That will pay for Easter.1 -
1 x £50 for me...0
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Just £25 for Mr F this month0
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Blimey I got £500. Easily the best haul ever.
I expect I'll get zilch in the next three draws...5 -
£550 here (best ever month by miles) : 1 x £500, 2 x £25. Nothing for Margaret.3
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My modest objective for Ernie is that he delivers better than a cash savings account over the year. So 4.0% would be nice. After 4 months, and thanks to my windfall this month, he is on course for 5.9%, but we all know how Ernie claws back gains from uppity mug punters...
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...and the lucky bugger is living it up in Oz too!superclive98 said:
This lucky winner, 4th from the bottom, shows that there's hope for us all.
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Makes you wonder if they even know that they've won.meldrew66 said:
...and the lucky bugger is living it up in Oz too!superclive98 said:
This lucky winner, 4th from the bottom, shows that there's hope for us all.
Makes me laugh that the winning bond was part of a £4 "batch" bought in July 1976. That's the sort of thing that parents/grandparents used to do when new children arrived.
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Yep. Dad & mum got us £5 bonds each when we were kids back in the late 70s. Don’t think we’ve ever won anything on those, but who knows 🤷🏻♂️😂superclive98 said:
Makes you wonder if they even know that they've won.meldrew66 said:
...and the lucky bugger is living it up in Oz too!superclive98 said:
This lucky winner, 4th from the bottom, shows that there's hope for us all.
Makes me laugh that the winning bond was part of a £4 "batch" bought in July 1976. That's the sort of thing that parents/grandparents used to do when new children arrived.0 -
I’ve got £5 back from when I was born. Found the details and put them in my app. I know I haven’t won anything on it.TelMc32 said:
Yep. Dad & mum got us £5 bonds each when we were kids back in the late 70s. Don’t think we’ve ever won anything on those, but who knows 🤷🏻♂️😂superclive98 said:
Makes you wonder if they even know that they've won.meldrew66 said:
...and the lucky bugger is living it up in Oz too!superclive98 said:
This lucky winner, 4th from the bottom, shows that there's hope for us all.
Makes me laugh that the winning bond was part of a £4 "batch" bought in July 1976. That's the sort of thing that parents/grandparents used to do when new children arrived.1 -
I have just discovered 3 separate £1 bonds from 1952 and 1953 if I remembered correctly 1c was for my birth, 1 for my christening and the other for my first Christmas or birthday. After 70 years none of them had won a penny, but then in an envelope for my kids to discover when they are clearing the house, by that time perhaps one may have come up trumps.1
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Two times £100 this month
Best yet.1 -
Matched my best result this month - nothing at all3
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Hmmmm, a financial adviser saying that people are fools putting money in PSBs…….now why oh why would he want to post a video about that, I wonder! Lol. FWIW, I’m pretty sure that the overwhelming majority of ‘investors’ with money held in PSBs know that PSBs are highly unlikely to provide a return equivalent to what could be earned in a low-risk, interest bearing savings account. Bloody kill-joy!holyjo said:0 -
TBF I agree with a lot of what he says.
But as someone who maxes out their ISA and is a higher rate tax payer they still work for me, just. But a week ago I advised my eldest daughter to cash hers in, she doesn't have the maximum and is a 20% tax payer who doesn't max out her ISA it no longer makes any financial sense. She's cashed them in bar £100 just to keep her NS&I account open.
Have zero chance of getting my wife to cash hers in, she's addicted to them! My youngest has almost the maximum and seems to do pretty well on them all things considered.1 -
Out of interest I shall post on here my monthly premium bonds return for this year.
I have 22k of premium bonds and so far this year my returns are as follows.
January. Nil
February £50
March £150
April £200
At the end of the year I shall add up all my winnings and divide by 22k just to see what money I make as a %.
Personally I reckon my returns will be on a par with most other saving schemes out there.
Plus of course I might even win the big one 😁3
