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luciaadr

posted on 6th Sep 15 at 17:44

quote:
Originally posted by jacko198
Is the santander 3% per month? If so thats quite impressive!



Its 3% a year. 3% a month would be very impressive

quote:
Originally posted by jacko198
Just been reading into it. I could get £200 cashback (i presume a month)
That is crazy! Am i reading that wrong?!


Yes, you're reading that wrong. Don't know what you put in the calculator but that's a reasonable yearly figure


Andrew

posted on 5th Sep 15 at 18:37

I don't really know much about stocks and shares.

I'm the kind of person to play it safe!


jacko198

posted on 5th Sep 15 at 18:35

Just been reading into it. I could get £200 cashback (i presume a month)
That is crazy! Am i reading that wrong?!


jacko198

posted on 5th Sep 15 at 18:22

Is the santander 3% per month? If so thats quite impressive!


Kyle T

posted on 4th Sep 15 at 17:51

Santander 123 is as decent enough for stuff up to £20k from when I did my research, or buy a Corsa C TDI as they're going up in value.


Kyle T

posted on 4th Sep 15 at 17:50

quote:
Originally posted by Cavey
I'm paying into a shareware scheme at work, in 3 years, I'll be buying shares at 360 when I believe they'll be around 500 a share, so will probably make more on that than a saving scheme (although worst scenario I'll just get my money back) Was oversubscribed so we can only do 20 a week at maximum though, so 3k worth

Anything similar you'd be able to get into


Got 6 more months of my 5 year sharesave. "Bought" at 314p, they peaked at £9 but they're now mid 200 :lol: Such a shame.


VrsTurbo

posted on 4th Sep 15 at 13:09

Im just talking about the FTSE 100 issue a couple of weeks back when it dropped a nice chuck due to china.


Ste

posted on 4th Sep 15 at 04:46

quote:
Originally posted by VrsTurbo
All mine is in Hargreaves Lansdown. But a stocks and shares ISA. Can loose alot but can also gain alot too.

we the FTSE 100 crashed my father in law lost alot!


Yes but it had recovered after a few months and is double what it was then. I have money in axa framlington biotech through Hargreaves Lansdown which has made 240% in 3 years

http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/a/axa-framlington-biotech-class-z-accumulation/charts

also some in Neptune UK Mid cap which has returned 160% in 4 years.

http://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/n/neptune-uk-mid-cap-class-c-accumulation/charts

Look about July 2011 for the stock market crash and see what it has done since then. A crash is a great time to invest. Just like now, prices are low and historically rise like fuck.


Cavey

posted on 3rd Sep 15 at 16:52

I'm paying into a shareware scheme at work, in 3 years, I'll be buying shares at 360 when I believe they'll be around 500 a share, so will probably make more on that than a saving scheme (although worst scenario I'll just get my money back) Was oversubscribed so we can only do 20 a week at maximum though, so 3k worth

Anything similar you'd be able to get into


DaveyLC

posted on 3rd Sep 15 at 16:39

Just checked my bank.. 0.8% on a flexible one or 1.6%, 2.0% and 2.15% on a fixed.

So about £240 in the first year? Yippy fucking doodah.


[Edited on 03-09-2015 by DaveyLC]


DaveyLC

posted on 3rd Sep 15 at 16:38

Last time I did an ISA (2013-14) the limit was pitiful :D

What's the return on £15k?


VrsTurbo

posted on 3rd Sep 15 at 16:31

You do know you can put 15k into an ISA DaveyLC


DaveyLC

posted on 3rd Sep 15 at 15:10

ISA's are a waste of space because the limits are so low and to get even a reasonable return on a savings account it will be one that wont let you withdraw which is a pain if you are the sort of person that will take cash out to do a bit of wheeling and dealing so to speak.

I've got a Halifax savers account that supposed to be 'a good one' that returns 0.5% (really? that's good?), it lets me make a limited number of withdrawals in a year and it returned me a poxy £230 over the last year.

I have an ISA to that maxed out (just over £6k or something IIRC?) returned something gay like £130 over a year.

Hopefully the base rate will sort its life out over the next couple of years!


spencer88

posted on 3rd Sep 15 at 15:00

First question is, do you have any debt? Any at all or finance?


VrsTurbo

posted on 3rd Sep 15 at 13:17

All mine is in Hargreaves Lansdown. But a stocks and shares ISA. Can loose alot but can also gain alot too.

we the FTSE 100 crashed my father in law lost alot!


luciaadr

posted on 3rd Sep 15 at 08:31

Much more worthwhile generally to pay down debt though


luciaadr

posted on 3rd Sep 15 at 08:10

Santander 123 account pays 3% on balances up to £20k, but you have to use it as your current account. I get £15-20 cashback per month from it as well.


whitter45

posted on 3rd Sep 15 at 07:48

depends how long a couple of years is and how much*

*Not asking you to say

But small amounts will yield little benefits - If long term invest with Stocks and Shares - seen a good return over the last 4 years but they do go up and down


Andrew

posted on 2nd Sep 15 at 19:52

Looking to save some money over a couple of years.

Does anyone know of any better deals that this:

http://uk.virginmoney.com/savings/find/virgin_fixed_rate_cash_e_isa_issue_131/overview/