Doon frae Troon
Ryder Cup Winner
Premium Bonds......even after the rates cut Lady Doon got a years basic bank interest on her investment in this month's draw.
The stock markets
- Thread starter Mudball
- Start date
Robin Hood
Well-known member
Why not just have one nights exclusive golf at that new resort on the Scottish island.
It's an option..
USER1999
Grand Slam Winner
I have only 'won' 100 so far this year. It needs to pick up, or I will be looking for something else. The rates cut is not good.
Mudball
Assistant Pro
No perfect answer and make ur decisions. All depends on ur timeframe and risk appetite
Short & low risk.. stay cash .. cash will be king and bargains to be had
Medium.. Bonds or Fixed deposit, cash isa etc.
Long.. equity esp dividend paying ones, index funds all will go up .. buy at regular intervals..
Mudball
Assistant Pro
I think I might have won the odd 25 quid prize a few times. Given my luck, not really a good instrument for me. Stock ISA any day. I know I will never win anything substantial in the bonds but it’s slightly better than buying a Friday night lottery
Mudball
Assistant Pro
Any guess on where the bottom of this market is??
BubbaP
Occasional Player of Golf
They came up with "black Monday" - very original
DanFST
Head Pro
God lord I needed a drink today.
harpo_72
Journeyman Pro
It’s all a bit panicky or it’s just a way of manipulating the markets to get a huge profit on the recovery... I hope the ISA managers do their job that they are paid for and mitigated the loss to a minimum and are prepared to make a massive profit. Would justify their charges.
need_my_wedge
Has Now Found His Wedgie
won £25 last week, first win in over an year and a half. Also thinking about doing something different.
Mudball
Assistant Pro
I thiink if you have >£2500 and if u win £25 thats about 1% ROI,,,, so if u have more, then you are better off elsewhere. Ofcourse the biggest benefit is that your capital safe at all times.
jamiet7682
Active member
Any investment you need to be looking to at least beat inflation otherwise what is the point? so a minimum of 2% per annum, anything under this and you should just keep it in cash.
fundy
Ryder Cup Winner
Mudball
Assistant Pro
Agree... infact cash will depreciate in real terms. Also when investing, dont forget to check fees - those pesky things eat into any profit (or make losses bigger)
IanM
Journeyman Pro
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But not as fast as this week's losses in equities! 
What is on the horizon is anyone's guess
What is on the horizon is anyone's guess
jamiet7682
Active member
No cash isnt beating inflation, best you will get will be 1.5% and usually need to lock in for a minimum term to get even that.
You need look at risk/reward, if you are investing the money this means you will be moving up the risk scale so would expect the returns to increase, if you are investing and getting less than you can get in cash its pointless.
You need look at risk/reward, if you are investing the money this means you will be moving up the risk scale so would expect the returns to increase, if you are investing and getting less than you can get in cash its pointless.
fundy
Ryder Cup Winner
Foxholer
Blackballed
I would have thought 2 reasons.
1. You can get 1% or even more as interest with ready/instant access (eg. savings) accounts that are equivalent to cash.
2. The risk factor of any 'investment' should always be considered.
Btw. Inflation affects investments as well as cash.
jamiet7682
Active member
on a pure return basis obviously 1.5% is better than 0% but you need to ask how much risk are you taking to get that 1.5% and is it worth it? only the individual can answer that.
3offTheTee
Tour Rookie
Perhaps enlighten me. How much risk are YOU taking if you are investing £10000 with a UK listed Bank?
