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Bonds
Comments
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Maybe I hadn't made it clear enough that the "I" was what I personally would do. I don't have £50k cash so I have no need to hold it in Premium bonds, I'm generally fully invested other than my emergency fund which fits perfectly in current accounts
Investing is all about different opinions.
I've got significant sums in cash generally in high interest accounts, but have significant larger equity holdings and am building up a p2p stake.
I've got a large sum in premium bonds as I consider it to be a bond, or actually gilt, proxy. potential losses in real terms but no actual capital losses.0
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