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5% possible
as the subject says 5%
does anyone think we will see a 5% fix this year or even a 5.25
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I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
so lock in now?
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As nobody can see into the future, it will always be a gamble either way.
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does anyone think we will see a 5% fix this year or even a 5.25
How long do you want to fix for?
Ten year gilts have a GRY a little over 5%. You could hold those in an ISA.
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Yes, I was going to say: over what duration?
30 year gilts are offering 5.7% (5.9% a few days ago).
https://giltsyield.com/bond/
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Lots of Gilts with a running yield (coupon divided by price) of over 5%, all depends on how long you want
T56 5 3/8% Treasury Gilt 2056
T41F 5 1/4% Treasury Gilt 2041Lots of info on https://www.dividenddata.co.uk/uk-gilts-prices-yields.py
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If you open a 1 year FRISA with Lloyds & transfer in £25k, your ‘effective’ interest rate would be 5.15%
Other offers, durations & amounts transferred would give different ‘effective’ rates. Interest on the £150 switch payment would not automatically be tax free or compound etc etc so not a direct comparison with an aer of 5.15%. Just a thought.2 -
a 5% fixed bond has appeared on nationwide max 10k for 15 months
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