- Joined
- 22 Aug 2006
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- 7,648
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Why do you torture yourselves with cash ISAS?
Stocks and shares Isa: Not Trading212, they don't have enough funds available.
The bottom two are Money Market, about the same as the second or third best Bldg Soc but safer.
20% in 4 years is 4.6% per annum.
The Blue one is the fund I've been bangin on about for years. 100% in 4 years is 18.9% pa.
If you're highly sfistisctated and telligent, and you can read or ask your phone, or it occurred to you there's a war on you know, or your gas bill's going up, you could use something like European Natural Gas "EGAS", up 24% in the last month.
You put a "stop loss" under it to sell if it drops say 2%, and there's no lock-in; sell any time.
You can let it do nothing until there's more news you can use.
In a non-isa s&s account, you don't pay income tax, but capital gains tax, which is a bit, or a lot, less than income tax.
PBs are tax free of course, so with their average return of 3.8%, they're equivalent to a bit more, taxed.
Stocks and shares Isa: Not Trading212, they don't have enough funds available.
The bottom two are Money Market, about the same as the second or third best Bldg Soc but safer.
20% in 4 years is 4.6% per annum.
The Blue one is the fund I've been bangin on about for years. 100% in 4 years is 18.9% pa.
If you're highly sfistisctated and telligent, and you can read or ask your phone, or it occurred to you there's a war on you know, or your gas bill's going up, you could use something like European Natural Gas "EGAS", up 24% in the last month.
You put a "stop loss" under it to sell if it drops say 2%, and there's no lock-in; sell any time.
You can let it do nothing until there's more news you can use.
In a non-isa s&s account, you don't pay income tax, but capital gains tax, which is a bit, or a lot, less than income tax.
PBs are tax free of course, so with their average return of 3.8%, they're equivalent to a bit more, taxed.
