C’mon, fess up.

Ocelot

happybagger said:

20k in a Cov BS members bond at 3% bugs me, 2 of 3 years left, so that will cost a bit.

20k in a Leeds BS ISA at 2.75% but at least can exit at 180 days interest. Will probably shift it if FR ISAs get to 5.5% or so

I have that Leeds & Holbeck ISA - the 2 year one (which lasts 2.5 years)? 

Ocelot

I have a 2 year Virgin ISA I opened last June at 2.25%, a 2.35% 2 yr Secure trust ISA I opened around the same time, a 5 year Charter ISA that was paying 2.25% (opened in 2018) which has just matured, a 2 yr Secure Trust FRB which has just matured, which was paying 0.96%, 2 yr FRB with Kent Reliance maturing in November, paying 1.5% and a 2 year Atom FRB maturing in September, paying 1.75%, not to mention the 2 yr Leeds ISA at 2.75%.

A lot for mew to do this year!

VNX

My ISAs are two year fixes from Dec 22/Jan23/Apr 23 and are between 4pc and 4.25

overall not as good as now but not too bad and the December one is needed next year to overpay mortgage so timing suits me even if the rate isn’t the best.

my bonds 1/3/4 years have all been taken out in the past six weeks, none have huge sums in them and range from 4.53 to 5.3 and will be taking out a 2 and 5 year bonds soon so overall a range from 4.53-6.1 ish I’m happy enough with that.

you can’t beat yourself up over rates

happybagger

Ocelot said:

happybagger said:

20k in a Cov BS members bond at 3% bugs me, 2 of 3 years left, so that will cost a bit.

20k in a Leeds BS ISA at 2.75% but at least can exit at 180 days interest. Will probably shift it if FR ISAs get to 5.5% or so

I have that Leeds & Holbeck ISA - the 2 year one (which lasts 2.5 years)? 

That's the one. I had a ruck of smaller balances at about 1 to 1.5% at the time and just brought them all together. So I did get a boost for a while but now I'm on the reverse side.

Not complaining as there is the get out clause.

boingy

I'm 6 months into a 1 year fixed ISA and a 1 year fixed saver. Both are earning pretty much the same as you can now get from EA accounts with people like Chip, and a bit less than the best accounts of each type now available. I'm fairly chilled about it though. I've gained for the last six months and I'll gradually start to "lose" in the next six. However, I needed to use the ISA allowance for last year and I went for the best option at the time so it's only really the none-ISA fix that I would change if I went back in time. I learned a long time ago that I don't like to fix anything for more than one or two years (and I'm really, really glad we no longer have a mortgage!)

westv

I also doubt a large number who will be hitting the tax free threshold thought they would do not that long ago.

zagfles

EthicsGradient said:

A 3 year fixed rate of a stratospheric 0.96%, starting in April 2021. Yes, no-one reasonably foresaw Russian invading Ukraine, but a reasonable thought would have been "the downside of just using an instant access, notice or short-term account instead would just be 0.3% pa, perhaps, and the possibility of interest rates going up in those 3 years, by more than that,  for whatever reason, must be significant" - and it turned out to be "by way more than that". 

Until I read this I was going to claim "victory" with my 1.17%  2-year fix maturing August

Doctor_Who

westv said:

I also doubt a large number who will be hitting the tax free threshold thought they would do not that long ago.

After a decade of very low interest rates it's now a nice problem to have!

zagfles said:

EthicsGradient said:

A 3 year fixed rate of a stratospheric 0.96%, starting in April 2021. Yes, no-one reasonably foresaw Russian invading Ukraine, but a reasonable thought would have been "the downside of just using an instant access, notice or short-term account instead would just be 0.3% pa, perhaps, and the possibility of interest rates going up in those 3 years, by more than that,  for whatever reason, must be significant" - and it turned out to be "by way more than that". 

Until I read this I was going to claim "victory" with my 1.17%  2-year fix maturing August

I thought I'd done badly with 2 year fixes @ 1.7%, but it does look like EthicsGradient has 'beaten' all of us.......not sure I should say 'congratulations'!