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ISA’s
- ronk
- Lifer
- Posts: 14227
- Joined: Tue Feb 24, 2009 11:50 am
- Location: Durham
- pvr
- Legend
- Posts: 26263
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Cash ISA’s
As in - rates getting better?
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- tug
- Senior Member
- Posts: 2305
- Joined: Sun Apr 27, 2014 10:10 am
- Location: Loughborough
Cash ISA’s
Aldermore are offering 2% locked in. I just put 10k in for 3 years to go towards retirement. Probably spend the lot on fags & lager though
E85 N46 2.0i SE BLACK SAPPHIRE
- pvr
- Legend
- Posts: 26263
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Cash ISA’s
With interest rates going up, isn’t that a bit long at a 2% rate? I was hoping that the rates would be around 5 by then if the current inflation rate is anything to go by
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- tug
- Senior Member
- Posts: 2305
- Joined: Sun Apr 27, 2014 10:10 am
- Location: Loughborough
- ronk
- Lifer
- Posts: 14227
- Joined: Tue Feb 24, 2009 11:50 am
- Location: Durham
Cash ISA’s
Ooops
I meant stocks and shares iSA‘s
The cash iSA’s are just as miserable as ever but at least +ve
I meant stocks and shares iSA‘s
The cash iSA’s are just as miserable as ever but at least +ve
Last edited by ronk on Sun Jul 31, 2022 10:22 am, edited 1 time in total.
You don't stop playing when you get old - You get old when you stop playing!
So I bought a 35is with all the toys to play with.
So I bought a 35is with all the toys to play with.
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- Senior Member
- Posts: 1120
- Joined: Sat Aug 08, 2020 7:45 pm
- Location: Tamworth
Cash ISA’s
Definitely Ronk. They took a big hit around the time Russia invaded Ukraine and I think this coupled with the over valuation of some big American tech companies are partly the cause. Some unit trusts that I’ve invested in plummeted in value by around 30-40% although noted recently that prices have been recovering over the last couple of weeks albeit still nowhere near pre invasion values. Mine are a 3-5 year investment so not too concerned.
Speed Yellow Porsche Boxster S
Previous:
Melbourne red 2016 20i MSport with a few subtle mods
Titanium Silver 2004 3.0SE with run flats
Previous:
Melbourne red 2016 20i MSport with a few subtle mods
Titanium Silver 2004 3.0SE with run flats
- ronk
- Lifer
- Posts: 14227
- Joined: Tue Feb 24, 2009 11:50 am
- Location: Durham
Cash ISA’s
I knew an old chap who cashed in at one of the the previous dives - he lost a lot of money.
You don't stop playing when you get old - You get old when you stop playing!
So I bought a 35is with all the toys to play with.
So I bought a 35is with all the toys to play with.
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- Senior Member
- Posts: 1120
- Joined: Sat Aug 08, 2020 7:45 pm
- Location: Tamworth
Cash ISA’s
I knew an old boy I worked with in the 1980’s who believed that when a market took a dive you invested more on the basis that markets always recover. This was specific to unit trusts and worked well for me in 1987 and fingers crossed it works for me this year!
Speed Yellow Porsche Boxster S
Previous:
Melbourne red 2016 20i MSport with a few subtle mods
Titanium Silver 2004 3.0SE with run flats
Previous:
Melbourne red 2016 20i MSport with a few subtle mods
Titanium Silver 2004 3.0SE with run flats
- ronk
- Lifer
- Posts: 14227
- Joined: Tue Feb 24, 2009 11:50 am
- Location: Durham
Cash ISA’s
That’s what the financial bods say - I suppose it’s much easier when you’re spending someone else’s money!
You don't stop playing when you get old - You get old when you stop playing!
So I bought a 35is with all the toys to play with.
So I bought a 35is with all the toys to play with.
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- Senior Member
- Posts: 1104
- Joined: Sun Dec 20, 2015 9:38 pm
- Location: Newcastle upon Tyne
Cash ISA’s
biZ4rreMids wrote: ↑Sun Jul 31, 2022 10:42 am I knew an old boy I worked with in the 1980’s who believed that when a market took a dive you invested more on the basis that markets always recover. This was specific to unit trusts and worked well for me in 1987 and fingers crossed it works for me this year!
Yup, buy the dips and average down
Now: Z4MC Titan Silver
Gone: E86 3.0Si Sport Titan Silver - M exhaust + bumper - Battery Relocated - Aero Front
E86 3.0Si Sport Silver Grey - Carbon Diffuser - Aero Kit - B/Box Mod - Storm MW V2
E85 2.5 Si Sport Titan Silver
Gone: E86 3.0Si Sport Titan Silver - M exhaust + bumper - Battery Relocated - Aero Front
E86 3.0Si Sport Silver Grey - Carbon Diffuser - Aero Kit - B/Box Mod - Storm MW V2
E85 2.5 Si Sport Titan Silver
- TitanTim
- Lifer
- Posts: 8065
- Joined: Sun Feb 12, 2012 11:21 pm
Cash ISA’s
I had a few ISAs but cashed most of them in a few years back on the summise it's a little counter intuitive thinking it's something you don't touch in the hope you have a nest egg in later years, the chances are however your time is up before you've spent it. At what point is a good time to reap the benefits later in life?
The only ISA I have left is with the Coop, can't remember if it's instant access at 0.34% or fixed rate at 0.43% will have to check.
I've tended to invest in Antiques over the past 40 years which if bought wisely give a better return if you dabble in buying and selling.
Tim.
The only ISA I have left is with the Coop, can't remember if it's instant access at 0.34% or fixed rate at 0.43% will have to check.
I've tended to invest in Antiques over the past 40 years which if bought wisely give a better return if you dabble in buying and selling.
Tim.
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- Senior Member
- Posts: 1084
- Joined: Tue Apr 12, 2016 7:42 pm
ISA’s
I'm all in on energy companies the ones that drill and mine the stuff not utility companies. So far I'm up around 500% in a year. A coal company based in South Africa and a gas company based in the Netherlands and now investing in another gas company based in Canada.
I made around 35% last month alone.
I made around 35% last month alone.
- M1k3yC
- Member
- Posts: 627
- Joined: Tue Aug 06, 2019 6:38 pm
- Location: Stafford
ISA’s
Yes. You can get 2% on a six month fixed term. The best two- and three-year fixed term savings accounts offer over 3%.
Source: https://www.moneysavingexpert.com/savin ... -interest/ (updates regularly, it'll only support the above at the time of posting this!).
The Bank of England Monetary Policy Committee makes its announcement tomorrow (4th August) and I think that a further increase in the base rate is expected, meaning that savings rates could creep up again soon.
2022 Hyundai Kona N - greyhound transport
2018 F56 Mini JCW
2016 MX-5 2.0 Sport Recaro
Gone to a good home: 2007 E86 3.0Si Sport
2018 F56 Mini JCW
2016 MX-5 2.0 Sport Recaro
Gone to a good home: 2007 E86 3.0Si Sport
- M1k3yC
- Member
- Posts: 627
- Joined: Tue Aug 06, 2019 6:38 pm
- Location: Stafford
ISA’s
It would depend on what the stocks and shares ISA is invested in. Not all ISAs allow investment in individual shares, either. Not everything is down YTD, but there's a lot of red, yes.
2022 Hyundai Kona N - greyhound transport
2018 F56 Mini JCW
2016 MX-5 2.0 Sport Recaro
Gone to a good home: 2007 E86 3.0Si Sport
2018 F56 Mini JCW
2016 MX-5 2.0 Sport Recaro
Gone to a good home: 2007 E86 3.0Si Sport