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    • bowlesbargain
    • By bowlesbargain 9th Mar 16, 3:17 PM
    • 176Posts
    • 90Thanks
    bowlesbargain
    National Saving
    • #1
    • 9th Mar 16, 3:17 PM
    National Saving 9th Mar 16 at 3:17 PM
    I have two index linked bonds maturing in April and May. One is a Three year bond the other a Five year bond that was reinvested 5 years ago.
    What is the general view in relation to index linked bonds should I reinvest for another 3 or 5 years, or should I cash in the bonds and try to find a ISA/Fixed bond paying two and a half percent for the next 5 years.
Page 1
    • LXdaddy
    • By LXdaddy 9th Mar 16, 3:30 PM
    • 681 Posts
    • 420 Thanks
    LXdaddy
    • #2
    • 9th Mar 16, 3:30 PM
    • #2
    • 9th Mar 16, 3:30 PM
    I have two index linked bonds maturing in April and May. One is a Three year bond the other a Five year bond that was reinvested 5 years ago.
    What is the general view in relation to index linked bonds should I reinvest for another 3 or 5 years, or should I cash in the bonds and try to find a ISA/Fixed bond paying two and a half percent for the next 5 years.
    Originally posted by bowlesbargain
    Good luck trying to find an ISA/Fixed rate bond paying 2.5% for 5 years.


    I have quite a few index linked bonds in NS&I. Contrary to all my posts about using the interest paying current accounts and regular savings accounts I let my NS&I accounts rollover (but I do change my 5 year ones to 3 years) I imagine that their interest rate premium will rise eventually and I do have the comfort of knowing that this chunk of money is index linked at RPI so is certainly not losing value.
    • bowlesbargain
    • By bowlesbargain 9th Mar 16, 3:33 PM
    • 176 Posts
    • 90 Thanks
    bowlesbargain
    • #3
    • 9th Mar 16, 3:33 PM
    • #3
    • 9th Mar 16, 3:33 PM
    Good luck trying to find an ISA/Fixed rate bond paying 2.5% for 5 years.


    I have quite a few index linked bonds in NS&I. Contrary to all my posts about using the interest paying current accounts and regular savings accounts I let my NS&I accounts rollover (but I do change my 5 year ones to 3 years) I imagine that their interest rate premium will rise eventually and I do have the comfort of knowing that this chunk of money is index linked at RPI so is certainly not losing value.
    Originally posted by LXdaddy


    LXDaddy..thank you, as you say trying to find 2.5 is getting harder, can get 2.8 with first direct but out of a ISA, As you say leaving it with NI at least I am not losing value on the money..thanks for your reply
    • xylophone
    • By xylophone 9th Mar 16, 3:37 PM
    • 25,581 Posts
    • 15,107 Thanks
    xylophone
    • #4
    • 9th Mar 16, 3:37 PM
    • #4
    • 9th Mar 16, 3:37 PM
    Good luck trying to find an ISA/Fixed rate bond paying 2.5%
    http://www.thisismoney.co.uk/money/article-1621507/Best-savings-rates-Fixed-rate-accounts.html

    See 5 year rates above.
    • chris_cox
    • By chris_cox 5th Jan 18, 10:00 AM
    • 2 Posts
    • 0 Thanks
    chris_cox
    • #5
    • 5th Jan 18, 10:00 AM
    ns&i bonds
    • #5
    • 5th Jan 18, 10:00 AM
    My parents have a bond (20k) that matures very soon. I have a choice to reinvest for 3 years at 2.2% (originally 4%). Is this my best option for this money?
    • ivormonee
    • By ivormonee 5th Jan 18, 12:39 PM
    • 165 Posts
    • 102 Thanks
    ivormonee
    • #6
    • 5th Jan 18, 12:39 PM
    • #6
    • 5th Jan 18, 12:39 PM
    I don't know if I'd be happy to re-invest for three years at such a miserly rate. Why not consider re-investing in a one year bond and see if rates go up during 2018 (which they are expected to) and then re-invest for a longer term on a better rate in a year's time? I just checked and you can get 1.9% for one year which isn't that far off the 2.2% for three years that you mentioned. Of course, there's no guarantee where rates might be in a year's time so it's just about weighing up all options.
    • chris_cox
    • By chris_cox 6th Jan 18, 3:44 PM
    • 2 Posts
    • 0 Thanks
    chris_cox
    • #7
    • 6th Jan 18, 3:44 PM
    • #7
    • 6th Jan 18, 3:44 PM
    Thanks - a very valid point. Appreciated
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