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09-04-2007, 5:34 PM
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#1 (permalink)
| | Senior Member
Join Date: Jan 2005 Location: Ashford in the Water
Posts: 1,195
Thanks: Gave 120, Got 65 | Small Investment
Hi
I have a small amount of cash (£2500/£3000) that i want to put away for a few years, whats the best option to get the best % back, looked at ISA, Equity Bonds, anything else I should consider. Any help would be great. 
Thanks
JOHNNY
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09-04-2007, 8:57 PM
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#2 (permalink)
| | Senior Member
Join Date: Oct 2006
Posts: 1,295
Thanks: Gave 411, Got 139 | Re: Small Investment
i'd go isa or premium bonds if you want access to it, if you can handle the restrictions then maybe a fixed term investment vehicle would give better returns
there are a few IFA's among our members here, hopefully they could point you in a better direction....?
(for a fee of course! haha!)
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09-04-2007, 9:22 PM
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#3 (permalink)
| | Moderator
Join Date: Feb 2005
Posts: 15,094
Thanks: Gave 1,070, Got 2,162 | Re: Small Investment
Contact woodywizz. Believe he's a bank manager. And a Utd fan... Boo! Seriously he's a nice guy and gives free advice... so hopefully he doesn't change that now lol 
__________________ Opinions expressed here are my own and do not represent those of the AV Forums or its associated websites FAQ for safe trading in the classified | Trading Rules | I have nothing to look forward to until Alicia in May | |
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09-04-2007, 9:27 PM
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#4 (permalink)
| | Conspicuous Member
Join Date: Sep 2003 Location: Hants
Posts: 7,836
Thanks: Gave 226, Got 467 | Re: Small Investment
Look at the money saving expert website
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10-04-2007, 9:07 AM
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#5 (permalink)
| | Prominent Member
Join Date: Sep 2002 Location: Prestwick
Posts: 4,009
Thanks: Gave 96, Got 518 | Re: Small Investment
Quote:
Originally Posted by johnny70  Hi
I have a small amount of cash (£2500/£3000) that i want to put away for a few years, whats the best option to get the best % back, looked at ISA, Equity Bonds, anything else I should consider. Any help would be great.
Thanks
JOHNNY | under 5 years and want accessability - use your cash ISA allowance. Have a look around for the best rate in the high street or online. should get about 5.5%/6% or there abouts. www.moneysupermarket.com
5 years plus consider a equity (stocks and Shares ISA) potential over the longer term to well out perform the cash ISA, however there is no fixed rates in a stocks and shares ISA, it's dependant on the performance of the funds/fund that you invest into.
as with most things - the more risk you take the potentially better returns you can get, however with that go the larger downsides and risks attached to your capital.
try having a look at www.fool.co.uk www.fidelity.co.uk
as a couple of places to consider if thinking of Stocks and Shares ISA
Anything else, give us a shout - i am an IFA for my sins! 
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10-04-2007, 10:06 AM
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#6 (permalink)
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Join Date: Oct 2003 Location: Frodsham
Posts: 936
Thanks: Gave 40, Got 110 | Re: Small Investment
Of course you could always put it into your pension....!
Depends on how quickly you need the cash.
Phil
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11-04-2007, 7:08 AM
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#7 (permalink)
| | Senior Member
Join Date: Jan 2005 Location: Ashford in the Water
Posts: 1,195
Thanks: Gave 120, Got 65 | Re: Small Investment
Cheers for the replies, gives me a bit more of info that i needed
Regards
JOHNNY
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11-04-2007, 7:33 AM
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#8 (permalink)
| | Veteran Member
Join Date: Aug 2005 Location: Manchester
Posts: 5,419
Thanks: Gave 1,048, Got 1,314 | Re: Small Investment
Quote:
Originally Posted by LFC_SL Contact woodywizz. Believe he's a bank manager. And a Utd fan... Boo! Seriously he's a nice guy and gives free advice... so hopefully he doesn't change that now lol | I have tears welling up 
As for the op's question - I mirror exactly what Booyaka has said - use the ISA allowance...
That will be £28.72 thankyou - please Paypal me to freeadvicemyarse@hotmail.com 
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11-04-2007, 8:15 AM
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#9 (permalink)
| | Prominent Member
Join Date: Oct 2003 Location: Deep in the bowels of sussex where the angloargies live
Posts: 3,310
Thanks: Gave 1,043, Got 536 | Re: Small Investment
Quote:
Originally Posted by johnny70 Hi
I have a small amount of cash (£2500/£3000) that i want to put away for a few years, whats the best option to get the best % back, looked at ISA, Equity Bonds, anything else I should consider. Any help would be great.
Thanks
JOHNNY | Pm Booyaka he'll give you some good tips re share ISAs  I took out one of his suggestions and its are lookin good already.
I understand Premium bonds are only good if you invest near the limit in which case you are more likely to get regular payouts
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