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Savings and Investments thread
Comments
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Friend Or Defoe said:I can think of a biggie but this isn't the forum. 😉
On a separate note, £122m of the £3.5bn has been clawed back. Bloody boat people.2 -
Friend Or Defoe said:I can think of a biggie but this isn't the forum. 😉
On a separate note, £122m of the £3.5bn has been clawed back. Bloody boat people.1 -
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Dividends tax is already practically in line with income tax. So unless you want to make it completely unviable to run a business, I wouldn’t touch it other than to possibly get rid of it.Bringing CGT into income tax would definitely be my preference but would need to raise the tax free allowance, which probably isn’t viable.0
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golfaddick said:Friend Or Defoe said:I can think of a biggie but this isn't the forum. 😉
On a separate note, £122m of the £3.5bn has been clawed back. Bloody boat people.4 -
RRob7Lee said:Huskaris said:Does anyone else find it really interesting/surprising/worrying that we are in a world where gold is up 47% YTD, and the S&P is up 14%?
It feels like everyone is terrified of missing out so pumping the S&P whilst being absolutely terrified of what is coming, so also pumping gold!
I really wish I'd bought gold earlier this year, I might be about to get my hands on a little bit of cash and still think it would be a good purchase!That said I've also liquidated around 2/3rd of my SIPP to lock in the growth since March, currently sitting in cash, which does earn last time I looked 2.5% (having slowly dropped this year from 3.25%) so not the end of the world.2 -
PragueAddick said:RRob7Lee said:Huskaris said:Does anyone else find it really interesting/surprising/worrying that we are in a world where gold is up 47% YTD, and the S&P is up 14%?
It feels like everyone is terrified of missing out so pumping the S&P whilst being absolutely terrified of what is coming, so also pumping gold!
I really wish I'd bought gold earlier this year, I might be about to get my hands on a little bit of cash and still think it would be a good purchase!That said I've also liquidated around 2/3rd of my SIPP to lock in the growth since March, currently sitting in cash, which does earn last time I looked 2.5% (having slowly dropped this year from 3.25%) so not the end of the world.
There are a limited number of SIPP'able deposit account providers and very few, if any, would pay those sorts of rates on deposits. You may be able to get a bit more on MMFs but they do carry risk, although pretty low in normal times (which these are not!).1 -
Really bad month for us, for the first time ever neither myself or my wife won anything. Both on roughly 30k.0
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£150 on 20k holding.
A better return than I’ve had in recent months, but will be moving that money into a global tracker going forward (Stocks ISA already maxed)1 - Sponsored links:
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£350 on max, MrsR7L £50 on max, daughter £25 on around half holding.0
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Zero this time on max. Not ideal.1
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125 for me on a lot less than 50%
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Zero on full. First time for a while …
…although just found I won £30 on the lottery!
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Worst month for us for a long time
£275 over 3xfull holding (one got £0)0 -
2 x £25 for me on 22k.
Having a great year so far0 -
£25 on £29k.0
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£125 max0
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£25 on £40k…meh 😒0
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.0
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bobmunro said:PragueAddick said:RRob7Lee said:Huskaris said:Does anyone else find it really interesting/surprising/worrying that we are in a world where gold is up 47% YTD, and the S&P is up 14%?
It feels like everyone is terrified of missing out so pumping the S&P whilst being absolutely terrified of what is coming, so also pumping gold!
I really wish I'd bought gold earlier this year, I might be about to get my hands on a little bit of cash and still think it would be a good purchase!That said I've also liquidated around 2/3rd of my SIPP to lock in the growth since March, currently sitting in cash, which does earn last time I looked 2.5% (having slowly dropped this year from 3.25%) so not the end of the world.
There are a limited number of SIPP'able deposit account providers and very few, if any, would pay those sorts of rates on deposits. You may be able to get a bit more on MMFs but they do carry risk, although pretty low in normal times (which these are not!).0 -
Just £50 on max this month0
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£150 me and £125 the wife both on max0
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Nothing again on 9k0
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£125 on half0
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Slim pickings here again on PBs. £50 for me on my half max and £100 for the wife on her max holding. Nothing for junior for the second month running on his quarter holding.0
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£75 on max for me0
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£100 for me, £125 for Mrs M - 2 x max holdings.Half way through the current tax year and total winnings on the £100k stands at £1,550 - so an annualised return of 3.1% (net of course). Not bad, but not great either!0
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PragueAddick said:bobmunro said:PragueAddick said:RRob7Lee said:Huskaris said:Does anyone else find it really interesting/surprising/worrying that we are in a world where gold is up 47% YTD, and the S&P is up 14%?
It feels like everyone is terrified of missing out so pumping the S&P whilst being absolutely terrified of what is coming, so also pumping gold!
I really wish I'd bought gold earlier this year, I might be about to get my hands on a little bit of cash and still think it would be a good purchase!That said I've also liquidated around 2/3rd of my SIPP to lock in the growth since March, currently sitting in cash, which does earn last time I looked 2.5% (having slowly dropped this year from 3.25%) so not the end of the world.
There are a limited number of SIPP'able deposit account providers and very few, if any, would pay those sorts of rates on deposits. You may be able to get a bit more on MMFs but they do carry risk, although pretty low in normal times (which these are not!).
Is it because you judge the AI/Tech bubble is set to burst or just the right time to bank the profit?
My curiosity, following these conversations where investors switch funds , is what makes people lose a bit of faith in the judgement of the fund managers.The US generally feels like it’s outperforming despite everything Trump does and should surely stall at some point but who knows when.0 -
valleynick66 said:PragueAddick said:bobmunro said:PragueAddick said:RRob7Lee said:Huskaris said:Does anyone else find it really interesting/surprising/worrying that we are in a world where gold is up 47% YTD, and the S&P is up 14%?
It feels like everyone is terrified of missing out so pumping the S&P whilst being absolutely terrified of what is coming, so also pumping gold!
I really wish I'd bought gold earlier this year, I might be about to get my hands on a little bit of cash and still think it would be a good purchase!That said I've also liquidated around 2/3rd of my SIPP to lock in the growth since March, currently sitting in cash, which does earn last time I looked 2.5% (having slowly dropped this year from 3.25%) so not the end of the world.
There are a limited number of SIPP'able deposit account providers and very few, if any, would pay those sorts of rates on deposits. You may be able to get a bit more on MMFs but they do carry risk, although pretty low in normal times (which these are not!).
Is it because you judge the AI/Tech bubble is set to burst or just the right time to bank the profit?
My curiosity, following these conversations where investors switch funds , is what makes people lose a bit of faith in the judgement of the fund managers.The US generally feels like it’s outperforming despite everything Trump does and should surely stall at some point but who knows when.I do think it has developed into a bubble, especially when someone like James Anderson, who remains a big believer in Nvidia, expresses his concerns about it. The other factor that has bothered me is that most of us who are mainly in funds rather than direct shares, hold far more tech than we realise in our broader based funds.3