NS&I Certificate maturing - advice, please.

Guys_Dad

Yes, I should have said that I wanted to keep it in safe, interest returning, relative;y swift access a/c. I have other savings in Unit Trusts and shares, as well as on deposit in a few sources.

Just needed to check if any pitfalls leaving it where it was as well any better returning a/c elsewhere.

oldvicar

Guys_Dad wrote: »

Yes, I should have said that I wanted to keep it in safe, interest returning, relative;y swift access a/c. I have other savings in Unit Trusts and shares, as well as on deposit in a few sources.

Just needed to check if any pitfalls leaving it where it was as well any better returning a/c elsewhere.

In that case (IMHO) I think you can't better keeping matured ILSCs.

Would be happy for any IFA's to suggest there is something better though!

Meeper

That sounds like a reasonable course of action given the information now at hand.

atush

Guys_Dad wrote: »

Yes, I should have said that I wanted to keep it in safe, interest returning, relative;y swift access a/c. I have other savings in Unit Trusts and shares, as well as on deposit in a few sources.

Just needed to check if any pitfalls leaving it where it was as well any better returning a/c elsewhere.

Now that we have a fuller picture, I agree that you should roll them over.

calypso_rhapsody

I've just rolled mine over (quite probably the same issue) and i probably would have done so even if current inflation were a lot lower. I see it as a form of diversification to have some of my cash savings in inflation linked products and these are fairly rarely offered (and often withdrawn quite quickly - i was surprised how long the last issue was available)