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

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Comments

  • whattochoose
    whattochoose Posts: 734 Forumite
    Part of the Furniture 500 Posts
    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.
  • talexuser
    talexuser Posts: 3,534 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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?
  • polymaff
    polymaff Posts: 3,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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?
  • kidmugsy
    kidmugsy Posts: 12,709 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    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.
  • veryintrigued
    veryintrigued Posts: 3,843 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    le_loup wrote: »
    Sound reasonable. Thanks for explaining.


    No probs - currently we have three threads all relating to the same issue of certs!
  • polymaff
    polymaff Posts: 3,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    £17,263.73, or thereabouts? An effective return of 2.85%. It'll be a while until we see the likes of that again :(
  • KTF
    KTF Posts: 4,850 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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?
  • polymaff
    polymaff Posts: 3,954 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    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.
  • chucknorris
    chucknorris Posts: 10,793 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    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
  • KTF
    KTF Posts: 4,850 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    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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