Beach Hut
Brighton Bhuna Boy
That is very unlucky to say the least we have won over £3k as a family over 12 years with never near the maximum amount collectively between four of us.
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O/T for NSC financial advisors
- Thread starter DIFFBROOK
- Start date
That is very unlucky to say the least we have won over £3k as a family over 12 years with never near the maximum amount collectively between four of us.
Superphil
Dismember
I know, I was gutted, expecting to get something around the average, cashed most of them in and put the money back into my house.
Worthingite
Sexy Pete... :D
24 posts in and nobody has mentioned @UncleSpielburg ?!?!
Put it in a Stocks & Shares ISA. Use a discount broker such as Hargreaves Lansdown (www.hl.co.uk) who waive the initial set up fees and discount the annual management charges as well. They have plenty of literature about where to invest, but basically you can do your research wherever you like but just use them as the broker. I'd recommend the Artemis Income Fund, has returned 104% over the last 5 years, 20% over the last 12 months, 5% over last 6 months. You need to be prepared to leave it invested for at least 3 years, but as its an ISA you can take it out whenever you like.
drew
Drew
Have you had a look at structured products? Little bit more of a risk but I have one with Meteor paying 7.25% gross per annum. Believe you will need an IFA to invest though so need to take account of their fees.
Justice
Dangerous Idiot
Put in all on Black 
Superphil
Dismember
patchamalbion
Well-known member
Falkland Islands Holdings FKL.L
if you fancy more risk I suggest Hurrican Fly/Quevega double on day 1 at Cheltenham Festival
if you fancy more risk I suggest Hurrican Fly/Quevega double on day 1 at Cheltenham Festival
Seagull
Yes I eat anything
Hi, yes as others have said peer to peer lending with ZOPA is best if you have spare cash and want a guaranteed return. With their Safeguard offer you are not exposed to losses from defaulting borrowers but the return is lower. Used to be 7% now 5% can still be earned. Been using this site for 5 years - reliable service and steady return. Forget the banks at the moment.
If you have any debts pay them off first as they are likely to cost you more than you would earn from ZOPA or any other investment. I would offer you my ZOPA link but I think Chicken Runner got in first
Good luck!
If you have any debts pay them off first as they are likely to cost you more than you would earn from ZOPA or any other investment. I would offer you my ZOPA link but I think Chicken Runner got in first
However if he/she is dodgy (!) then pm me! And do the same if you have any questions
Good luck!
Uncle C
Well-known member
Can you point out where it says you get a guaranteed return?
Vegas Seagull
New member
- Jul 10, 2009
- 7,782
Buy 100,000 shares in Coms ticker Coms.l @ 6p
Seagull
Yes I eat anything
Return is not guaranteed as such it depends on prevailing market rate. See these links and do your research yourself of course. The safeguard thing just cuts out losses from defaulting debtors. You can also get immediate access to the cash with a penalty (1% I think) if you need it.
http://www.zopa.com/lending/grow-your-savings
http://www.zopa.com/lending/lend-money-safely
http://www.zopa.com/lending/high-interest-returns
Uncle C
Well-known member
So why did you say you get a guaranteed return?
Worthingite
Sexy Pete... :D
He's a mortgage broker isn't he?
Thread's about investing cash I think.
Thought he was an IFA?! He'd know where to put it for sure
Superphil
Dismember
Thought he was an IFA?! He'd know where to put it for sure
He's definitely an independent mortgage broker, not sure if he's an IFA too, is the a difference? That business is all wrapped up with legislation, legalities and red tape these days.
Buy Bitcoins
Hatterlovesbrighton
something clever
Have you actually bought one yet?
Not yet. I have submitted all my paperwork to MtGox so I should have an account soon. It's taken over a month so far.
A fish called Glen Ponder
Member
- Mar 13, 2012
- 50
Unfortunately I think the Santander 123 is only available as a current account and you would need to pay in at least £500 a month to obtain the 3% - you may wish to consider changing your current account – For comprehensive savings rates look at www.moneyfacts.co.uk which gives details of instant access, fixed rates and ISA rates – Rates are updated daily. Cash deposit rates are generally lower than inflation at present, so the likelihood is that you will lose money in real terms, but if you cannot tolerate loss then stick with it.
If you can tolerate potentially losing money then consider equity/other asset class investment via an ISA – However remember you could lose money but over the longer term the potential upside is far greater. Obtaining advice is, I’m afraid, probably not economical for you, or the adviser, who would need to charge you a fee for investment advice.
The comment regarding structured products is valid – In reality you should take advice to understand the small print and risks but again my comments regarding fees make it uneconomical.
Good luck!
If you can tolerate potentially losing money then consider equity/other asset class investment via an ISA – However remember you could lose money but over the longer term the potential upside is far greater. Obtaining advice is, I’m afraid, probably not economical for you, or the adviser, who would need to charge you a fee for investment advice.
The comment regarding structured products is valid – In reality you should take advice to understand the small print and risks but again my comments regarding fees make it uneconomical.
Good luck!
Uncle C
Well-known member
Bubble for nerds