What return do you get on your investments

No. Silversurfer was referring to 25 quid in an ISA with a 2% rate

Pretty obvious he's not referring to SAYE as having a 2% return
 
feriso said:
I think you have lost where we are, we were referring to the share schemes where you but one and then get an additional 1.5 or 2 shares given to you (but locked for a number of years) so, iuf you see my post above unless shares drop to a third of thier price on purchase (accounting for inflation) then you will always be up.

£50pcm sacrifice = £150pcm shares = £1,800pa in shares. So, i think that beats 2% ?
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I was referring to an earlier quote on page 1, where someone said they'd got 2% on an ISA, presumably cash.

I know the schemes you're referring to, as I have both with my employer. I have SAYE at max £250 per month and then what we refer to as partnership shares - matched share purchase - I buy one, the company buys one. These are from gross salary, so net of higher rate tax and NI. Locked in for 5 years but still a bargain. Max £125 per month.
 
My 3% savings account has just run out, looking around and best easy access savings atm is around 1.7% which is pretty abysmal even if I don't have to pay tax on it.

It's just a place to store excess money atm until I need it later in the year so can't afford to risk of trying to get a better return :(
 
Phantom Shadow said:
My 3% savings account has just run out, looking around and best easy access savings atm is around 1.7% which is pretty abysmal even if I don't have to pay tax on it.

It's just a place to store excess money atm until I need it later in the year so can't afford to risk of trying to get a better return :(
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Nothing wrong with that - access and safety over the short term.
 
Phantom Shadow said:
My 3% savings account has just run out, looking around and best easy access savings atm is around 1.7% which is pretty abysmal even if I don't have to pay tax on it.

It's just a place to store excess money atm until I need it later in the year so can't afford to risk of trying to get a better return :(
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All on black
 
arekgreenman888 said:
could someone clarify if am gainging or loosing on 2% isa?
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It is about par. The question is can you get a better risk-free return in an instantly liquid asset? I doubt it.

Of course you can risk up and get potentially higher returns.

In terms of real wealth, inflation is eroding your wealth.
 
Been looking into a life insurance plan with mass mutual lately. Basically, $6k per annum you put in for 30yrs. You are on a rent-to-own life insurance of $500k (if you die tomorrow or in 40yrs you get $500k). If you re-invest the dividends each year based off of the previous years, your $180 = 500k. After 30yrs of payments you no longer have to pay in but you still get the dividents etc, 40 yrs value of $800k etc with huge dividends.
...............I think :D
 
We've got quite a distributed portfolio, if I can give it such a lofty title, earning pretty much the grand sum of sod all at the moment as we're ploughing money into mortgage over payments. The aim is to be mortgage free in 8-10 years, without crippling ourselves too much (eg I'm still going skiing and diving ;)).
 
12% rental yield. Ie 12% of the flats value as rental income per year.

Where is this flat Jez? Henley way?
 
I started investing in 2007, then lost 70% in a short time, followed by 300% gain. I think my average over the years is around 10 to 15% which is not bad considering.

I have more or less stopped investing now, I put the money into property.
 
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