Savings interest rate thread
Discussion
I have a filing cabinet in my study /office with each necessary account including utilities and indeed " everything " else having its own file.
I keep a spreadsheet of money /investments/pensions which is put in 2 places within said filing cabinet.
As Leaper does I keep a working spreadsheet on my desk and update that as and when and then periodically enter into xl and replace the existing copies in the cabinet.
My wife is well aware of this strategy but whether she will be able to cope with it all sadly I won't be around to see.
I keep a spreadsheet of money /investments/pensions which is put in 2 places within said filing cabinet.
As Leaper does I keep a working spreadsheet on my desk and update that as and when and then periodically enter into xl and replace the existing copies in the cabinet.
My wife is well aware of this strategy but whether she will be able to cope with it all sadly I won't be around to see.
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.
There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
bmwmike said:
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.
There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
bmwmike said:
supersport said:
We had all our banking information, account numbers and password in a password manager that we both had access to, so that should the worse happen the other would be able to access everything.
There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
Which password manager out of interest please?There is also a basic list of institutions kept with a copy of the will, which is updated when they change.
7 5 7 said:
It's (5.2%) on univested cash, they are hoping you would use on the platform, only came across it as I dabble on there myself with a S&S ISA - probably more a teaser incentive to get more custom and probably won't last.
So, let me get this clear, I put my money into the investment account, but I don’t make any investments, just get the interest on the balance? Legacywr said:
So, let me get this clear, I put my money into the investment account, but I don’t make any investments, just get the interest on the balance?
There is a Cash ISA option as well as a S&S ISA option. If you just want the interest on the money with no risk, put the money in the Cash ISA.Edited by Funk on Friday 14th June 19:22
NerveAgent said:
NickZ24 said:
no bank is a safe investment.
IMHO there is no safe investment really.
Safer is to buy land, have Gold, germs.
Which germs do you recommend? My 1 year old is investing heavily in these at nursery. IMHO there is no safe investment really.
Safer is to buy land, have Gold, germs.
Maybe off-topic for this thread, but you all seem knowledged on this type of thing.
For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
Buttery Ken said:
Maybe off-topic for this thread, but you all seem knowledged on this type of thing.
For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
I think you've got the wrong thread, you want this one For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
https://www.pistonheads.com/gassing/topic.asp?h=0&...supersport said:
Buttery Ken said:
Maybe off-topic for this thread, but you all seem knowledged on this type of thing.
For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
I think you've got the wrong thread, you want this one For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
https://www.pistonheads.com/gassing/topic.asp?h=0&... I'm all in on Greggs because I like their chicken slices. That's the level of consideration I gave it.Teatowell said:
1st cut to happen in August and then two further 25bps cuts in 2024 to take rate to 4.50% by the end of the year.
We use a particular economics/data provider that in my view is far too dovish. I would tend to agree with the market and see September as the first potential cut, maybe even later depending on what happens with election and so on.
Looking at FRBs currently on offer the going rates in round numbers are as follows:We use a particular economics/data provider that in my view is far too dovish. I would tend to agree with the market and see September as the first potential cut, maybe even later depending on what happens with election and so on.
1yr - 5.25
2yr - 5.06
3yr - 4.81
4yr - 4.35
5yr - 4.60
Could you shed any light why the 4 year FRBs are always out of step with 1,2,3 & 5 year FRBs, this is not just now, it has been like this for some time now - any idea why?
Buttery Ken said:
supersport said:
Buttery Ken said:
Maybe off-topic for this thread, but you all seem knowledged on this type of thing.
For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
I think you've got the wrong thread, you want this one For some reason, and I can't remember why, I have a Freetrade account that I pay £6 a month for. It's a stocks and shares ISA, and because I don't really follow the markets the value of my investments has tanked. When I kicked it off I bought some tech shares (the main one then had a data breach which killed their share price!), but I've sold all those and put everything in Greggs! (Only talking a few hundred quid here).
I get dividends now and then. Usually about 50p.
I'm wasting my money aren't I, unless I proactively manage this? Feels like I should just close the account and either put the money in a standard ISA, or just in to my Santander which is currently around 4%
I think I've answered my own question so feel free to mock me.
https://www.pistonheads.com/gassing/topic.asp?h=0&... I'm all in on Greggs because I like their chicken slices. That's the level of consideration I gave it.Gassing Station | Finance | Top of Page | What's New | My Stuff