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Savings and Investments thread
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£100 for me £50 for Mrs R7L, nowt fir youngest - father in law £250
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1 x £25 + 1 x £50 + 1 x £100…happy with that …0
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Normal service resumed this month, zero here0
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£200 for me (£100+£50+£25+£25) and £50 for Margaret0
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I got the right numbers, just in the wrong order!!!!Rob7Lee said:Congrats to Salad, managed to hold on!
Lots were close, and some not so!
Until next time........FTSE100 Level 7,531.53 Name Level Variance % Variance Salad 7511 20.53 0.27% CAFCWest 7510 21.53 0.29% Morboe 7554 22.47 0.30% Covered End 7508 23.53 0.31% cafc7-6htfc 7600 68.47 0.91% Fortune 82nd Minute 7440 91.53 1.22% Thread Killer 7423 108.53 1.44% LargeAddick 7647 115.47 1.53% blackpool72 7650 118.47 1.57% Addick Addict 7652 120.47 1.60% guinnessaddick 7658 126.47 1.68% Hoof_it_up_to_benty 7675 143.47 1.90% Jon_CAFC_ 7675 143.47 1.90% fat man on a moped 7685 153.47 2.04% RalphMilne 7689 157.47 2.09% thecat 7710 178.47 2.37% wwaddick 7350 181.53 2.41% IdleHans 7745 213.47 2.83% PragueAddick 7300 231.53 3.07% Bangkokaddick 7767 235.47 3.13% CharltonKerry 7777 245.47 3.26% Rob7Lee 7785 253.47 3.37% Daarrrzzettbum 7800 268.47 3.56% aitchyaddick 7809 277.47 3.68% Redman 7250 281.53 3.74% golfaddick 7824 292.47 3.88% StrikerFirmani 7840 308.47 4.10% valleynick66 7856 324.47 4.31% cafcpolo 7893 361.47 4.80% Pedro45 7153 378.53 5.03% holyjo 7912 380.47 5.05% HardyAddick 7913 381.47 5.06% meldrew66 7117 414.53 5.50% TheGhostofTomHovi 7966 434.47 5.77% oohaahmortimer 7077 454.53 6.04% @TelMc32 8000 468.47 6.22% bobmunro 6950 581.53 7.72% WishIdStayedInThe Pub 6625 906.53 12.04% Er_Be_Ab_Pl_Wo_Wo_Ch 6500 1031.53 13.70% 6 -
£150 on the PBs. A £50 & a £100.0
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£200 today. Not won a penny since December (to be fair there wasn’t much in the account to win with until recently), so let’s hope this is the start of a good run!1
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Nothing for me this month
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£175 (3x25, 2x50) for me, £75 for Mrs C and £50 for junior on PBS.1
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Nothing for me this time. Waiting for the big one.
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£25 is better than nothing.0
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Nil for Mr F, £25 for Fanny ( cheap at the price
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Nice first hit, but still behind savings if you’ve £50,000 in.cafctom said:With thanks to this thread, I finally got around to putting a chunk of money into Premium Bonds. First time I've ever really done anything remotely 'different' with my savings beyond just letting them sit there in a bank account.
£150 for my first prize.0 -
Even as a 45% tax payer?RaplhMilne said:
Nice first hit, but still behind savings if you’ve £50,000 in.cafctom said:With thanks to this thread, I finally got around to putting a chunk of money into Premium Bonds. First time I've ever really done anything remotely 'different' with my savings beyond just letting them sit there in a bank account.
£150 for my first prize.
I still have the majority of my money in regular savings, but I will have a tax bill for it at the end of the financial year. I just thought it would be a good idea to put some of it into a place where there’s the very remote chance I could get a decent sized win one day. And of course, the tax free returns are nice.1 -
Annualised that would be £1800 or 3.6% net if £50k. If you are a higher rate tax payer it's minimum 6% gross, not aware of any instant access paying that yet.cafctom said:
Even as a 45% tax payer?RaplhMilne said:
Nice first hit, but still behind savings if you’ve £50,000 in.cafctom said:With thanks to this thread, I finally got around to putting a chunk of money into Premium Bonds. First time I've ever really done anything remotely 'different' with my savings beyond just letting them sit there in a bank account.
£150 for my first prize.
I still have the majority of my money in savings, but I will have a tax bill for it at the end of the financial year.4 -
Exactly that.Rob7Lee said:
Annualised that would be £1800 or 3.6% net if £50k. If you are a higher rate tax payer it's minimum 6% gross, not aware of any instant access paying that yet.cafctom said:
Even as a 45% tax payer?RaplhMilne said:
Nice first hit, but still behind savings if you’ve £50,000 in.cafctom said:With thanks to this thread, I finally got around to putting a chunk of money into Premium Bonds. First time I've ever really done anything remotely 'different' with my savings beyond just letting them sit there in a bank account.
£150 for my first prize.
I still have the majority of my money in savings, but I will have a tax bill for it at the end of the financial year.
If I remember correctly you need to multiply a tax free rate by 1.66 for 40% tax payers and 1.82 for a 45% tax payer to get a savings rate comparable (saw it on Martin Lewis) which makes premium bonds a very attractive easy access account, and it's a lot more fun!
Maxing out ISA allowance then buying premium bonds makes the most sense to me if a 40-45% tax payer (as long as you don't have other forms of debt that are more expensive).
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Probably comparable over 12 months.RaplhMilne said:
Nice first hit, but still behind savings if you’ve £50,000 in.cafctom said:With thanks to this thread, I finally got around to putting a chunk of money into Premium Bonds. First time I've ever really done anything remotely 'different' with my savings beyond just letting them sit there in a bank account.
£150 for my first prize.
£1800 tax free. If you are a higher tax payer you would get £500 tax free interest and anything on top would be taxed at 40%. 5% instant access (which PB's are in reality) would give you £2.5k. Take off the £500 tax free savings allowance, leaving £2000 to be taxed at 40%. £800 in tax leaves £1200. Add in the £500 tax free allowance gives you £1700.
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£325 for me this month11
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£175 me £300 the wife6
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Stockmarkets taking a bit of a hammering today (a bit like the England Test team)
FTSE down 2.2% with most European markets down the same- France down almost 3%.
US opened lower with S&P500 down 1.3% and DJ down 1.4%.
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Rates all up about 20bps whatever part of curve you look at0
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HSBC have yet again pulled their mortgage interest rates. Must be the 3rd time in less than a month. New rates out on Monday.
Tbf they are currently the best around & are snowed under with applications.
I'm sure there is another way of combating inflation than simply putting up interest rates every time.1 -
Now if the last “guess the index” had ended today….
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With Market at 7252 this morning how are peoples investments holding up with the FTSE heading South every day. My share / fund holdings are down by 5.6% from recent high. Although this is savings not pension, as I declined transferring my DB Lloyds pension.0
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I try not to check mine too often - it can mess with your head when its having a downturn. There will be ups and downs but in the medium to longer term history says it'll pay off. Dont let bad days get to you.RaplhMilne said:With Market at 7252 this morning how are peoples investments holding up with the FTSE heading South every day. My share / fund holdings are down by 5.6% from recent high. Although this is savings not pension, as I declined transferring my DB Lloyds pension.
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RaplhMilne said:With Market at 7252 this morning how are peoples investments holding up with the FTSE heading South every day. My share / fund holdings are down by 5.6% from recent high. Although this is savings not pension, as I declined transferring my DB Lloyds pension.
My pension is down 1.7% since the turn of the month. Still up over 7% in the last 12 months.0 -
Just wondering if anyone could advise me…my partner has 50 grand to invest & we are wondering the best way to invest mid term! Tia0
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Can I be the first to say…speak to an IFA, given the amount. There’s a very good one on here, whom I recommend. Just don’t talk to him about Charlton😉dajavouslagan said:Just wondering if anyone could advise me…my partner has 50 grand to invest & we are wondering the best way to invest mid term! Tia7 -
Everyone want to go again on the FTSE100 comp? If so let me know number by 14th August.
Also, how's everyone's investments doing? My pension is back to an all time high, I'm making more a month on it than my gross salary!2 -
Love this competition.Rob7Lee said:Everyone want to go again on the FTSE100 comp? If so let me know number by 14th August.
Also, how's everyone's investments doing? My pension is back to an all time high, I'm making more a month on it than my gross salary!
Really good fun finishing above financial experts.
Bring it on again please.2
