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NS&I 5 year index linked saving certs 2011 issue - half way point!

Comments

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  whattochoose Posts: 770 Forumite

  

  23 March 2016 at 8:50AM

  Just checked latest estimate. £15000 purchased 14th May 2011.
  On 22nd March 2016, current value of bonds is £17,179.50, according to NSI calculator.

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  talexuser Posts: 3,553 Forumite

  

  23 March 2016 at 9:20AM

  So the question is to roll over or not? Somehow I doubt inflation can be 0.3% for the next 5 years but who knows? - we may yet get helicopter money as a last resort?

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  polymaff Posts: 3,958 Forumite

  

  23 March 2016 at 9:27AM

  talexuser wrote: »

  So the question is to roll over or not? Somehow I doubt inflation can be 0.3% for the next 5 years but who knows?

  
  I doubt that RPI will be as low as 0.3% for the next 5 years.
  
  Who knows?

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  kidmugsy Posts: 12,709 Forumite

  

  23 March 2016 at 11:10AM

  You can always split your bet by renewing partly as a 3-year certificate and partly as a 5-year.

  Free the dunston one next time too.

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  veryintrigued Posts: 3,843 Forumite

  

  23 March 2016 at 12:27PM

  le_loup wrote: »

  Sound reasonable. Thanks for explaining.

  
  
  No probs - currently we have three threads all relating to the same issue of certs!

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  polymaff Posts: 3,958 Forumite

  

  12 April 2016 at 8:36AM

  £17,263.73, or thereabouts? An effective return of 2.85%. It'll be a while until we see the likes of that again

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  KTF Posts: 4,855 Forumite

  

  12 April 2016 at 8:39AM

  Now that the renewal paperwork has started arriving, are people planning to cash them in or go with the renewal option RPI + 0.01% I believe?

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  polymaff Posts: 3,958 Forumite

  

  12 April 2016 at 8:55AM

  KTF wrote: »

  Now that the renewal paperwork has started arriving, are people planning to cash them in or go with the renewal option RPI + 0.01% I believe?

  
  I'm renewing. The coupon now is a derisory thirty bob a year, but if "RPI" (you know what I'm getting at ) rises, it is a hedge - and it has added value for a taxpayer.

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  chucknorris Posts: 10,795 Forumite

  

  12 April 2016 at 9:06AM

  I think I'll cash mine in, I'm not at all tempted by RPI (about 1.6%) + 0.01%.

  Chuck Norris can kill two stones with one birdThe only time Chuck Norris was wrong was when he thought he had made a mistakeChuck Norris puts the "laughter" in "manslaughter".I've started running again, after several injuries had forced me to stop

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  KTF Posts: 4,855 Forumite

  

  12 April 2016 at 9:09AM

  I am leaning towards cashing mine in as well. Especially as there is now a penalty for cashing them in early.
  
  Just have to work out what I would do with it though.

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