Being nosey... How many Regular Saver accounts do you have?

Bobblehat

trickydicky14 said:

I don't want to upset anyone, but why include folks that don't actually have any regular savers?
And thankyou Bobblehat  for all your hard work.

Out of courtesy for replying to the thread even if it's zero RS's. Even zero holdings might be interesting to some folk, e.g. the reason they hold zero 

saverkev

Bobblehat said:

After Ch1ll1Phlakes experiment, I thought I'd see what the table would look like being generated directly from the spreadsheet (instead of coped from the forum) ....



Edit: Apart from the gap (which is not a blank line), I'd say this simple solution does the job! If the table were to expand to 3 figures of contributors in the future, I'd say this method will cope and provide a perfectly readable table.

p.s. Sorry Ch1lliPhlakes, it's pure coincidence that the split put you at the bottom of section 1. I feel slightly guilty about this after your help   

Looks good.
I aalso liked poolboy's idea of including peoples min % - atm I am going for above 6%

And thanks for your hard work @Bobblehat

Kim_13

saverkev said:

Bobblehat said:

After Ch1ll1Phlakes experiment, I thought I'd see what the table would look like being generated directly from the spreadsheet (instead of coped from the forum) ....



Edit: Apart from the gap (which is not a blank line), I'd say this simple solution does the job! If the table were to expand to 3 figures of contributors in the future, I'd say this method will cope and provide a perfectly readable table.

p.s. Sorry Ch1lliPhlakes, it's pure coincidence that the split put you at the bottom of section 1. I feel slightly guilty about this after your help   

Looks good.
I aalso liked poolboy's idea of including peoples min % - atm I am going for above 6%

And thanks for your hard work @Bobblehat

To open currently, 6% fixed or 6.5% variable, although funding Stafford at £25 (4.4% - open ended) and Coventry Sunny Day at £10 (4.3% - prize draws.) The lowest receiving any significant funding is 5.5% (NatWest.) 

Bobblehat

Kim_13 said:

saverkev said:

Bobblehat said:

After Ch1ll1Phlakes experiment, I thought I'd see what the table would look like being generated directly from the spreadsheet (instead of coped from the forum) ....



Edit: Apart from the gap (which is not a blank line), I'd say this simple solution does the job! If the table were to expand to 3 figures of contributors in the future, I'd say this method will cope and provide a perfectly readable table.

p.s. Sorry Ch1lliPhlakes, it's pure coincidence that the split put you at the bottom of section 1. I feel slightly guilty about this after your help   

Looks good.
I aalso liked poolboy's idea of including peoples min % - atm I am going for above 6%

And thanks for your hard work @Bobblehat

To open currently, 6% fixed or 6.5% variable, although funding Stafford at £25 (4.4% - open ended) and Coventry Sunny Day at £10 (4.3% - prize draws.) The lowest receiving any significant funding is 5.5% (NatWest.) 

An interesting and detailed presentation of strategy, and perfectly understandable too.

I don't mean to sound particularly negative, but if I introduced another column pertaining to min%, as suggested by a few contributors, I'd be at a loss as how to summarise the strategy above into a single field! There lies my slight hesitance to expand the columns.

No offence meant to any individual contributor, but it might only be viable if a single % figure was posted. This does not stop contributors from explaining their strategy in a post, as Kim_13 has, which can be viewed in detail and applied by others who like the plan either wholly or in part 

If enough people indicated a single simple minimum percentage figure would be useful, I'd be happy to document it as and when contributors supplied it 

clairec666

I guess my absolute minimum is 5.5% but like Kim_13 it's more nuanced than that. Anything above 5.25% would beat what I'm getting in my ISA (after tax). I'm pilfering from my 5.5% accounts to fund the higher ones at the moment. Any new accounts would have to be 6.5% or higher to entice me right now.

dingling68

I have checked my spreadsheet after recovering from the post holiday lurgy that struck our group and it appears I have 41 regular saver as of today's date @Bobblehat . All in my own name, but some only minimal funding at the mo to rob Peter to pay Paul and fill the higher interest ones. I have a couple due to mature at the end of the month / early Nov so may be lower in due course. 

trickydicky14

But what does min % figures actually tell us, if person A has limited funds they will fund the highest RS's up to the point that the money runs out. Person B has much larger funds so may well fund accounts right down to say 4.75% as long as the rate is better than any easy access accounts. So what would we learn from this extra info? I know this is all a bit of fun but I would hope we would learn something from it.

Bobblehat

trickydicky14 said:

But what does min % figures actually tell us, if person A has limited funds they will fund the highest RS's up to the point that the money runs out. Person B has much larger funds so may well fund accounts right down to say 4.75% as long as the rate is better than any easy access accounts. So what would we learn from this extra info? I know this is all a bit of fun but I would hope we would learn something from it.

People with the lowest minimum have the most finds  ..... only joking. I'll let others chip in on this question!

nigelholl2

This thread is a regular read, along with Bridlington1's RS tread, and others in the S&I group
I will have an update on 1st Nov,  as I've picked the odd one up, and just opened a Virgin M-Plus for their RS on the 1st, part of my aim to getting 1xRS maturing each month.
Definitely an interesting hobby this game
Interesting week maximising top-ups to Nwest RS, with BS RS's & Ppal
Also 1st donor account opened and DDs tsfr'd, just need them to pay, then hit the switch button, the bonus's will be transferred to the RS feeder acc to assist the MSE project.
I really appreciate the effort that people put in to posting and updating threads on this forum, allows us all to squeeze as much as we can out of our £'s

allegro120

Bobblehat said:

Kim_13 said:

saverkev said:

Bobblehat said:

After Ch1ll1Phlakes experiment, I thought I'd see what the table would look like being generated directly from the spreadsheet (instead of coped from the forum) ....



Edit: Apart from the gap (which is not a blank line), I'd say this simple solution does the job! If the table were to expand to 3 figures of contributors in the future, I'd say this method will cope and provide a perfectly readable table.

p.s. Sorry Ch1lliPhlakes, it's pure coincidence that the split put you at the bottom of section 1. I feel slightly guilty about this after your help   

Looks good.
I aalso liked poolboy's idea of including peoples min % - atm I am going for above 6%

And thanks for your hard work @Bobblehat

To open currently, 6% fixed or 6.5% variable, although funding Stafford at £25 (4.4% - open ended) and Coventry Sunny Day at £10 (4.3% - prize draws.) The lowest receiving any significant funding is 5.5% (NatWest.) 

An interesting and detailed presentation of strategy, and perfectly understandable too.

I don't mean to sound particularly negative, but if I introduced another column pertaining to min%, as suggested by a few contributors, I'd be at a loss as how to summarise the strategy above into a single field! There lies my slight hesitance to expand the columns.

No offence meant to any individual contributor, but it might only be viable if a single % figure was posted. This does not stop contributors from explaining their strategy in a post, as Kim_13 has, which can be viewed in detail and applied by others who like the plan either wholly or in part 

If enough people indicated a single simple minimum percentage figure would be useful, I'd be happy to document it as and when contributors supplied it 

5.15% is my minimum at the moment.  I will update on changes in November, I think it's better to do it monthly rather than every time a change takes place.  I will maintain not to include the accounts I'm running for my spouse