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    • 6022tivo
    • By 6022tivo 13th Feb 18, 6:06 PM
    • 548Posts
    • 130Thanks
    NS&I Fixed Rate Renewal
    • #1
    • 13th Feb 18, 6:06 PM
    NS&I Fixed Rate Renewal 13th Feb 18 at 6:06 PM
    Just had my renewal through for my NS&I Fixed Interest and I'm not sure what to do with it.

    To be honest, it's the last fixed term interest one I have.
    Took it out 10 years ago, at the full value.

    My options..
    Another 5YR at 2.15%
    2YR at 1.55%
    Get a new car or a massive party

    I really don't see the point of that interest rate being fixed, I can only really see them going up??
    I am maxed out on current account interest and regular savings, so I don't really know what to do at all!

    Any thoughts?

    I'm lucky in that I am a bit cash rich at the moment, so unsure what to do.

    I pay 25% through salary sacrifice to my pension, I could increase that a bit and live off the cash to bump the wages I suppose..

    Bit boring though!
Page 2
    • sjp999
    • By sjp999 9th Mar 18, 12:30 PM
    • 51 Posts
    • 39 Thanks
    Yeah no tax implications.

    My only unlikely concern would be if the profit on the day of purchase and sale was over the CGT limit. If so I would only sell the volume to keep under that limit.
    The remaining I would leave until the following tax year, any dividends in that time count as income I guess.
    Originally posted by 6022tivo
    Nothing to add to the thread here just want to say it's good to see an S1 TiVo related username from the old days.
    • 6022tivo
    • By 6022tivo 9th Mar 18, 3:02 PM
    • 548 Posts
    • 130 Thanks
    Best technology product of that decade. Broke the mould, and others followed and copied.
    Still have mine and I was involved in them a little.

    To be honest, I've just got the Virgin V6 tivo and am pleasantly surprised.
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