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Savings and Investments thread

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  • I haven’t got a clue what I’m doing but I’ve been putting a few quid away in a few funds (Junior ISA) for my boy since he was born.

    Still “up” 5% in the couple of years of “investing” - I assume I’ll just hold what I’ve got? 
  • Wise words Mr IFA ;)

    Also, Ralph, you had 25% of your holdings in Lloyds which today are 42p roughly, if you go back to August last year they were only about 48p, as I say, easy to look at the top and feel you've lost 30% but need to look at the longer term (and importantly what you bought at).

    If every share i'd every owned i'd sold them at the highest price they ever achieved i'd be long retired living in the Bahamas!

  • WSS said:
    I haven’t got a clue what I’m doing but I’ve been putting a few quid away in a few funds (Junior ISA) for my boy since he was born.

    Still “up” 5% in the couple of years of “investing” - I assume I’ll just hold what I’ve got? 
    Just keep paying in regularly. I did something similar for my girls, just paid a monthly amount for 18 years. You’ll do fine over that sort of period.
  • What are people's views on buying blocks of premium bonds for younsters, against ISA's etc?
  • A general comment - you need to keep assessing how much risk you want to take on. If you’re looking to keep what you have, then equities may not be where you want to load up. You’ve got to be willing and able to ride out periods like now. Although there’s always potential upside you might miss out on, you also don’t have to worry about the downside we’re seeing. 

    Balanced portfolio, assess your risk, talk to a professional, etc. 
  • What are people's views on buying blocks of premium bonds for younsters, against ISA's etc?
    Not great investments, the average return is pretty low (and the tax free nature isn’t important generally for a child) but they could always win big!!

  • We are in uncharted territories at present whatever the experts say.....
  • Hi guys, just wondering whether to continue paying into my Aegon L&G mixed investments stocks & shares isa atm. I currently pay a direct debit each month and of course the investment is decreasing but longer time could this be a good thing for me as in currently buying cheaper!  Obviously a novice but would appreciate any advice! 
  • Hi guys, just wondering whether to continue paying into my Aegon L&G mixed investments stocks & shares isa atm. I currently pay a direct debit each month and of course the investment is decreasing but longer time could this be a good thing for me as in currently buying cheaper!  Obviously a novice but would appreciate any advice! 
    Depends what mixed investment fund it is & what your attitude to risk is.  Pound cost averaging will help too.

    I've just put a clients 2019/20 ISA allowance into the L&G mixed 0-35% fund. A cautious/ low-medium risk client & the fund is one of the best in the sector over 3 & 5 years. l dont generally use multi-asset funds but for a one-off £20k thought it was a good bet.
  • Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
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  • @Fortune 82nd Minute

    Even if you are right, for the vast majority does it really matter?

    Most peoples investments in the stock market are Pension and for some an ISA. Anyone within 7-10 years of their retirement date shouldn't be invested that much in S&S. similar for an ISA, you shouldn't be investing for the short term but should be doing so over an extended period, minimum 5 years although i'd say longer.

    So the market has tanked and may go lower, for those people just keep investing your monthly amount and you are buying a lot more for your money, so when it does eventually go back up (which it will) you'll do really really well. Additionally funds you were buying 2/3/4/5 years ago are probably still doing better even today than back then.

    People need to compare over a period, take one of my favoured funds, Lindsell Train Global Equity as an example;

    Today     3.43 down from an all time high of 4.11 last August, but..........
    Jan 2020 3.83 
    Jan 2019 3.31 
    Jan 2018 2.94 
    Jan 2017 2.34
    Jan 2016 1.88
    Jan 2015 1.69
    Jan 2014 1.44
    Jan 2013 1.21
    Jan 2012 1.04

    Today is a higher price than at anytime before August 2018.

    If you invested £50 a month for the last 5 years you'd have made a tidy profit even on todays heavily hit value.

    In yearly growth (March to March);

    15-16 11.3%
    16-17 26.1%
    17-18 20%
    18-19 18%
    19-20 4%

    So even though it's dropped 10% since the turn of the year and 16.5% from it's all time high, long term investors have done very well even at this point on the chart.
  • Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
    Just a quick reply.

    You have to try to separate the issues at play here. Firstly the oil crisis. Russia didnt want to play ball with OPEC & the pilot price gaz tanked. This is bad for US shares, especially those involved in oul production. As I mentioned earlier, the FTSE100 is heavily weighted with oil stocks too. If we've learned anything about oil prices it they rise & fall more times than Reggie Perrin. 

    Then there is Corona Virus. This is having an impact due to fears it could make economies go into recession. But a recession was always on the cards & the US was going to  trip into one sometime this year.....something Trump was very keen to avoid & why he has been imploring the Fed to cut interest rates seeing as this is Election year & he re-election is mainly based on his running of the economy.

    Imo......and it's only my imo......is that both issues are short lived and by the summer things will be a lot clearer. I have said on a few occasions I have no idea where the market us going or when it will recover.....but it will. And a lot sooner than 10 tears. Sooner than 5 most likely too.

    Finally. As for my industry wanting to talk it up & staying positive because it makes me more money. I generally earn money from clients having money invested......and there are plenty of places to invest that are not directly affected by stockmarket falls. Most of my clients have spare capital & do not want to see it languishing on deposit earning 0.5%. They come to me for advice as to where the best places to put it & are looking at the long term.
  • Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
    Just a quick reply.

    You have to try to separate the issues at play here. Firstly the oil crisis. Russia didnt want to play ball with OPEC & the pilot price gaz tanked. This is bad for US shares, especially those involved in oul production. As I mentioned earlier, the FTSE100 is heavily weighted with oil stocks too. If we've learned anything about oil prices it they rise & fall more times than Reggie Perrin. 

    Then there is Corona Virus. This is having an impact due to fears it could make economies go into recession. But a recession was always on the cards & the US was going to  trip into one sometime this year.....something Trump was very keen to avoid & why he has been imploring the Fed to cut interest rates seeing as this is Election year & he re-election is mainly based on his running of the economy.

    Imo......and it's only my imo......is that both issues are short lived and by the summer things will be a lot clearer. I have said on a few occasions I have no idea where the market us going or when it will recover.....but it will. And a lot sooner than 10 tears. Sooner than 5 most likely too.

    Finally. As for my industry wanting to talk it up & staying positive because it makes me more money. I generally earn money from clients having money invested......and there are plenty of places to invest that are not directly affected by stockmarket falls. Most of my clients have spare capital & do not want to see it languishing on deposit earning 0.5%. They come to me for advice as to where the best places to put it & are looking at the long term.
    https://www.ft.com/content/c048d870-6138-11ea-a6cd-df28cc3c6a68

    “Oil Price war spells danger for US junk bonds”. 

    There was also an interesting discussion on the heavily indebted US energy sector on C4 News earlier. Many companies are in real difficulties and have been surviving only because of cheap finance and Putin’s action in cutting oil prices could result in those debts not being serviced and a domino effect of collapses of these firms and those in related industries could be on the cards. Possibly a new ‘sub prime’ scenario.


  • Chaz Hill said:
    Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
    Just a quick reply.

    You have to try to separate the issues at play here. Firstly the oil crisis. Russia didnt want to play ball with OPEC & the pilot price gaz tanked. This is bad for US shares, especially those involved in oul production. As I mentioned earlier, the FTSE100 is heavily weighted with oil stocks too. If we've learned anything about oil prices it they rise & fall more times than Reggie Perrin. 

    Then there is Corona Virus. This is having an impact due to fears it could make economies go into recession. But a recession was always on the cards & the US was going to  trip into one sometime this year.....something Trump was very keen to avoid & why he has been imploring the Fed to cut interest rates seeing as this is Election year & he re-election is mainly based on his running of the economy.

    Imo......and it's only my imo......is that both issues are short lived and by the summer things will be a lot clearer. I have said on a few occasions I have no idea where the market us going or when it will recover.....but it will. And a lot sooner than 10 tears. Sooner than 5 most likely too.

    Finally. As for my industry wanting to talk it up & staying positive because it makes me more money. I generally earn money from clients having money invested......and there are plenty of places to invest that are not directly affected by stockmarket falls. Most of my clients have spare capital & do not want to see it languishing on deposit earning 0.5%. They come to me for advice as to where the best places to put it & are looking at the long term.
    https://www.ft.com/content/c048d870-6138-11ea-a6cd-df28cc3c6a68

    “Oil Price war spells danger for US junk bonds”. 

    There was also an interesting discussion on the heavily indebted US energy sector on C4 News earlier. Many companies are in real difficulties and have been surviving only because of cheap finance and Putin’s action in cutting oil prices could result in those debts not being serviced and a domino effect of collapses of these firms and those in related industries could be on the cards. Possibly a new ‘sub prime’ scenario.


    Yes, I saw that too. High yield US bonds in trouble. So not only are equities tanking so is fixed interest. 

    Time to be holding Gold perhaps.....?
  • I bought some energy stocks at the close, today. Although I think the markets drop more in coming weeks, a 20-30% drop in these stocks today felt like capitulation. Good for a pop, I guess. Who knows.

    Phillips 66
    Oilwell Varco
    Enterprise Partners
  • Chaz Hill said:
    Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
    Just a quick reply.

    You have to try to separate the issues at play here. Firstly the oil crisis. Russia didnt want to play ball with OPEC & the pilot price gaz tanked. This is bad for US shares, especially those involved in oul production. As I mentioned earlier, the FTSE100 is heavily weighted with oil stocks too. If we've learned anything about oil prices it they rise & fall more times than Reggie Perrin. 

    Then there is Corona Virus. This is having an impact due to fears it could make economies go into recession. But a recession was always on the cards & the US was going to  trip into one sometime this year.....something Trump was very keen to avoid & why he has been imploring the Fed to cut interest rates seeing as this is Election year & he re-election is mainly based on his running of the economy.

    Imo......and it's only my imo......is that both issues are short lived and by the summer things will be a lot clearer. I have said on a few occasions I have no idea where the market us going or when it will recover.....but it will. And a lot sooner than 10 tears. Sooner than 5 most likely too.

    Finally. As for my industry wanting to talk it up & staying positive because it makes me more money. I generally earn money from clients having money invested......and there are plenty of places to invest that are not directly affected by stockmarket falls. Most of my clients have spare capital & do not want to see it languishing on deposit earning 0.5%. They come to me for advice as to where the best places to put it & are looking at the long term.
    https://www.ft.com/content/c048d870-6138-11ea-a6cd-df28cc3c6a68

    “Oil Price war spells danger for US junk bonds”. 

    There was also an interesting discussion on the heavily indebted US energy sector on C4 News earlier. Many companies are in real difficulties and have been surviving only because of cheap finance and Putin’s action in cutting oil prices could result in those debts not being serviced and a domino effect of collapses of these firms and those in related industries could be on the cards. Possibly a new ‘sub prime’ scenario.


    Yes, I saw that too. High yield US bonds in trouble. So not only are equities tanking so is fixed interest. 

    Time to be holding Gold perhaps.....?

    Gold is at a all time high,


  • Yes, I saw that too. High yield US bonds in trouble. So not only are equities tanking so is fixed interest. 

    Time to be holding Gold perhaps.....?
    Even gold has been dropping due to fears of deflation!

    I still think this is a 1987 style crash, which will recover reasonably quickly for the reasons you state, Golfy, if the virus and oil fallout turn out to be temporary and we don't tip into a full blown recession.  If the latter, it will take a bit longer, but it won't be 2008.

    At least it's good news on the Charlton front ... it does feel like the 1980s in many ways ...
  • Markets up 3% today. The recovery has begun......
  • Well my £170,000 portfolio is now £35,000 down .  What pisses me off most is wankers saying oh well it will come back.  FUCK OFF this could take 10 years to get back to where I was 4 weeks ago. 

    Now it’s a case of considering moving cash over to try and bring average down on my big losers. 


    CALM.

    No way will it take 10 years to get back to where we were at the start of the year. It might seem like armageddon atm but trust me, things will soon right themselves. Most of today's falls are down to the fall in the oil price. It had virtually halved overnight and big companies like BP & Shell (who combined make up 6% of the FTSE100 index) have seen massive falls in their share prices.

    Just been listening/watching a webinar from JP Morgan......mainly focusing on Covid 19 and the effects its having on worldwide economies. The fact that both China & S Korea are seeing rapid reductions in new cases means that soon China will be back at work. Their service sector has fallen off a cliff (GDP down 45%) and the US is likely to go into recession. 

    The falls in world stockmarket are not down to young whippersnappers who don't know what they are doing. Lots of very good analysts have been looking at data coming out from various countries......but the f**king oil price melt down is mainly to blame for today.
    I appreciate anyone in the finance industry has got to stay positive - because if you frighten people away, your earnings will dry up - but with the greatest respect how on earth can you say "things will soon right themselves?"

    You've got a double attack going on at the moment - coronavirus which is going to get worse here shortly - and a possible recession in many countries - you say yourself America is likely to go into recession. Can you name me one other time when you have had 2 such potentially devastating things going on at the same time?

    The Dow is down 1800 points tonight. That will crash the Asian markets again over night and ensure we open what, 300, 400, 500  points down tomorrow. The FTSE could easily go through the 5000 barrier this week. What's the next stop -4500 or lower? 

    I hope you are right that this will all soon be forgotten but I think this crash could be one that has repercussions for us for a long time and is not one that will be forgotten by the summer.
    Just a quick reply.

    You have to try to separate the issues at play here. Firstly the oil crisis. Russia didnt want to play ball with OPEC & the pilot price gaz tanked. This is bad for US shares, especially those involved in oul production. As I mentioned earlier, the FTSE100 is heavily weighted with oil stocks too. If we've learned anything about oil prices it they rise & fall more times than Reggie Perrin. 

    Then there is Corona Virus. This is having an impact due to fears it could make economies go into recession. But a recession was always on the cards & the US was going to  trip into one sometime this year.....something Trump was very keen to avoid & why he has been imploring the Fed to cut interest rates seeing as this is Election year & he re-election is mainly based on his running of the economy.

    Imo......and it's only my imo......is that both issues are short lived and by the summer things will be a lot clearer. I have said on a few occasions I have no idea where the market us going or when it will recover.....but it will. And a lot sooner than 10 tears. Sooner than 5 most likely too.

    Finally. As for my industry wanting to talk it up & staying positive because it makes me more money. I generally earn money from clients having money invested......and there are plenty of places to invest that are not directly affected by stockmarket falls. Most of my clients have spare capital & do not want to see it languishing on deposit earning 0.5%. They come to me for advice as to where the best places to put it & are looking at the long term.
    Thanks for taking the time to reply. 
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  • Markets up 3% today. The recovery has begun......
    Which markets?
  • Markets up 3% today. The recovery has begun......
    Which markets?
    I posted tues lunchtime when the FTSE & most other European markets we up around 3%. By the close they had all fallen again.
  • edited March 2020
    Markets up 3% today. The recovery has begun......
    Which markets?
    Oil was up 10% yesterday  and another 3% this morning so all them stock markets that blamed the oil price must be bouncing somewhat , oh they’re not ....Maybe later on in this decade 
  • Interest rates dropped half a %, wowzer.
  • Rob7Lee said:
    Interest rates dropped half a %, wowzer.
    Great news for my tracker mortgage.
  • Rob7Lee said:
    Interest rates dropped half a %, wowzer.
    Great news for my tracker mortgage.
    Yes will please a lot of people with debt, less so those with savings! 
  • Rob7Lee said:
    Interest rates dropped half a %, wowzer.
    Great news for my tracker mortgage.
    My thoughts exactly
  • Almost impossible for Joe public to find any sort of return for their savings. 
    I'm currently in an ISA paying 1.4%. This runs out in June  and I doubt I will find anything near as good then.
    Probably just put it all in premium bonds until things change. 
  • Saudi Aramco says the government has ordered it to boost its maximum sustainable production capacity to 13 million barrels per day (from currently 12 million b/d). More shock-and-awe
    squeeze them orrible ruskies 

    dropped 3 dollars plus from overnight high 3970 

    was 4520 before weekend 


  • Almost impossible for Joe public to find any sort of return for their savings. 
    I'm currently in an ISA paying 1.4%. This runs out in June  and I doubt I will find anything near as good then.
    Probably just put it all in premium bonds until things change. 
    You could have a look at these guys ...

    https://smartsavebank.co.uk

    They have a banking license, so your money is protected up to the 85k limit.  Depends on your level of tax and what allowances you are already using as to whether you see that as a decent rate.  Note, you can only apply and manage online.

    Finally, I should declare an interest - I'm a seed investor in the bank behind the product (Chetwood) as it was set up by mates of mine.  They aim to be at or near the top of the comparison sites, which is the only way they go to market (and also one of the reasons they're the only UK challenger bank that makes money).

    Independent view on them when they launched:

    https://www.thesavings.guru/blog/125-chetwood-financial-launch-2
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