Savings and Investments thread

£1 x £25 for me and 2 x £50 for Margaret from max holdings. Not good.

1x £50 for me (on £42k, £38k though for this draw), £150 for Mrs R7L on max with 1x £50 and 1x £100, 1x £25 daughter with around £25k.

£125 for Father in law.

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I've maxed mine this month and plan to do the same with going forward. Found 3.9% with one withdraw a month, as i buy most things on a credit card it works out perfectly if the current account needs help!

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

valleynick66 said:

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

There isn't really a reason, I think the main thing I'm nervous about at the moment is that I'll be out of the market for about 5 days while I'm transferring out and in (has to sell and rebuy, very annoying).

What I'm dreaming of is a relatively calm period in financial markets to do the transfers as I would be pretty frustrated if there's a few percent movement.

Having reread everything I've written above, it really doesn't make much sense, I'll get on it next week! 

Zilch for me this month 

£125. On 2x max not good 

Huskaris said:

valleynick66 said:

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

There isn't really a reason, I think the main thing I'm nervous about at the moment is that I'll be out of the market for about 5 days while I'm transferring out and in (has to sell and rebuy, very annoying).

What I'm dreaming of is a relatively calm period in financial markets to do the transfers as I would be pretty frustrated if there's a few percent movement.

Having reread everything I've written above, it really doesn't make much sense, I'll get on it next week! 

There will be a reversal soon and they will shoot up again. It's a good time to buy.

PragueAddick said:

Huskaris said:

valleynick66 said:

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

There isn't really a reason, I think the main thing I'm nervous about at the moment is that I'll be out of the market for about 5 days while I'm transferring out and in (has to sell and rebuy, very annoying).

What I'm dreaming of is a relatively calm period in financial markets to do the transfers as I would be pretty frustrated if there's a few percent movement.

Having reread everything I've written above, it really doesn't make much sense, I'll get on it next week! 

I feel your pain. I started (or they started) the process of transferring my SIPP from AJ Bell to H-L  a few days before the Brexit referendum vote. It took a month. I got absolutely clobbered. Five days isn't so bad though. If my SIPP had taken five days I'd have just about escaped any mayhem. The relative risk level is lower in your case.

Ah, I always wondered why you disliked Brexit, now I know! 

Southbank said:

golfaddick said:

As an addendum to the above. Markets are more worried about Trump than they are about hidden commission payment on car finance deals. 

US markets have now opened & they are falling. Dow Jones down 1.4% and S&P500 down 1.6%. The FTSE100 was down 0.5% at lunch but is now falling further - currently down almost 1%. 

European markets had fallen more than the UK this morning & are falling further still. Germany down 2.3%, France down 2.8% and the EuroStox down 2.6%.

Welcome to Trumponomics.

Except US stock markets, especially tech, have gone through the roof since he was elected

Not really true, post election boost was down to certainty on the political situation and then the tariffs took that out. European/uk stocks have been doing a lot better than us stocks post election. Add that to the weakening dollar and you’re not really making massive gains in us stocks right now.

Huskaris said:

valleynick66 said:

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

There isn't really a reason, I think the main thing I'm nervous about at the moment is that I'll be out of the market for about 5 days while I'm transferring out and in (has to sell and rebuy, very annoying).

What I'm dreaming of is a relatively calm period in financial markets to do the transfers as I would be pretty frustrated if there's a few percent movement.

Having reread everything I've written above, it really doesn't make much sense, I'll get on it next week! 

Markets could get pretty choppy over the next few weeks now that Trump had decided to employ nuclear subs near to Russia. 

And then firing the head of their main statistics company just because he didn't like the latest employment numbers.

golfaddick said:

Huskaris said:

valleynick66 said:

Huskaris said:

cafctom said:

£25 on £20k holding.

Thinking of taking it out and putting into a general investment account (have already maxed out the Stocks ISA)

I did exactly that in December last year when I was fed up of poor returns on premium bonds.

Fast forward to April and it was down 15% but up 4.7% now. 

My aim is to wait until I'm close to the CGT threshold then transfer into this year's ISA allowance. 

My ignorance but why wait to transfer to your ISA?

There isn't really a reason, I think the main thing I'm nervous about at the moment is that I'll be out of the market for about 5 days while I'm transferring out and in (has to sell and rebuy, very annoying).

What I'm dreaming of is a relatively calm period in financial markets to do the transfers as I would be pretty frustrated if there's a few percent movement.

Having reread everything I've written above, it really doesn't make much sense, I'll get on it next week! 

Markets could get pretty choppy over the next few weeks now that Trump had decided to employ nuclear subs near to Russia. 

And then firing the head of their main statistics company just because he didn't like the latest employment numbers.

Ain't that the truth. 

With Trump as president anything is possible. 

Trying to guess how the Ftse will finish at the end of the year is nigh on impossible. 

£00