premium bonds.

[Demannu]

We have the full monty in ours, but this year we have had just over £2K, so getting a min of 5% atm.
Last year it was £2.3k in total.
This time next year Rodders, we'll be millionaires

[Count Steer]

Stocks and Shares ISA?

Oh, absolutely.

All for using tax effective options but there's a £20k limit and I'd rather use that for guaranteed returns. The share stuff is just for fun really. I used to trade a lot more but always found it was feast or famine tbh. Same with funds, some would do well for a few years then they wouldn't - I don't think I did much better than trackers over the long run when dealing charges were taken into account.

[Mr. Dazzle]

TBF the only shares/funds stuff I have is my pension and savings accounts I don't plan to touch for years/decades. Investments are indeed feast/famine but generally only when viewed in the short term

[Count Steer]

TBF the only shares/funds stuff I have is my pension and savings accounts I don't plan to touch for years/decades. Investments are indeed feast/famine but generally only when viewed in the short term

Yup. The other thing I found is that your attitude to it all changes on retirement. Life's a bit different when you've got a slab of salary coming in each month. When you haven't you get a bit more defensive with your hard earned.

I would add from bitter experience that even with a long term approach you still need to be a bit brutal at times and cull the weaklings, taking a loss on the chin. It's a common approach, particularly if you're picking growth shares to hang on thinking things won't fall further or even buying in again (catching a falling knife) to reduce the % loss and/or hoping things go back up. Long term most of my best buys were the most boring ones.

[MyLittleStudPony]

The FSCS 1 year bonds are getting very close to 6% too. I might bung a load into some of them in the next few days.

[Mr. Dazzle]

You can get a 5% ISA for 2 years from a couple of high street banks too now.

[Count Steer]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

[MyLittleStudPony]

The FSCS 1 year bonds...

What are those? You mean bonds protected by the FSCS?

Yes.

[MyLittleStudPony]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

I don't but my partners mum does and won a decent five figure amount recently.

[Mr. Dazzle]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

You mean the People's Postcode Lottery, or is there a different one for toighty types? Maybe an invite only one?

[MyLittleStudPony]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

You mean the People's Postcode Lottery, or is there a different one for toighty types? Maybe an invite only one?

That's the one. My partner (and her family) are working class! I know, how ghastly!

[Count Steer]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

You mean the People's Postcode Lottery, or is there a different one for toighty types? Maybe an invite only one?

That's the one, PPL. My sister doesn't do it but her neighbours that do got about £13k each. That probably would sting a bit more if it was a million and it was only the people either side.

I'm guessing that not many of my neighbours do it...

[Taipan]

As this has been boinged. I've been meaning to ask (and this seems as good a place as any), does anyone do the Postcode Lottery and have you won anything?

Yes and yes, a £10 stake, but only a couple of £10 wins and one £30 one I think it was.

[Screwdriver]

First month back in the game after putting money back in.

2x £25
1X £1000

Can't complain at that

Ha! Try me...

[Dodgy69]

£100

[Scotsrich]

£100 after nothing for a couple of months.

[MingtheMerciless]

1 X £100 & 1 X £50.

[Dodgy69]

Reckon Weeksy must of had a word with em this month.

[Yorick]

There were more prizes in July than June, and from August there will be more again as they are putting their interest rate equivalent up to 4%.

4% isn’t bad for a super safe tax free place to park fifty large with instant access.

That's not bad. We've got most of our ISAs locked in averaging 5% but might bung a bit in at 4%.
Never had them but remember my mum winning £5 when I was a nipper.
Was a special day

[Mr. Dazzle]

There were more prizes in July than June, and from August there will be more again as they are putting their interest rate equivalent up to 4%.

4% isn’t bad for a super safe tax free place to park fifty large with instant access.

Don't you have to have them for several years in order to win at the average rate though? On average of course. So its also entirely possible you'd get buggery nothing for a year or three.