Reply to: Egg equity bond

[GreenerGrass]

3 year bond

23% gross (7.14 AER) if FTSE is higher at maturity than initiation
otherwise money back.

Seems a pretty good deal


Discuss or not etc.

"NS&I index-linked certificates are worth considering. Both the five-year and three-year certificates pay a rate equivalent to 1.35 percentage points above the Retail Price Index (RPI).

Last week RPI crept up to 4.1 per cent, thanks largely to higher interest rates and mortgage repayments. This means that savers with index-linked certificates are now receiving a return of 5.45 per cent. Given that this is tax-free, higher-rate taxpayers would have to get a gross rate of 9.08 per cent to be better off. "

A good safe bet once you've already ploughed enough into gold, energy and BRIC funds.

[Gonzo]

Rule #1 of investing: don't buy structured products

I have to agree. What alchemy are they able to perform that is beyond the normal mortal?

[Bagpuss]

Prawn comes with free salt to pinch

[bored]

Rule #1 of investing: don't buy structured products

[rootsnall]

Brazilian off-plan BTL

That's where the smart money is.

For a one off £100 fee I have a list of the favelas guaranteed to show 100% growth in the next 3 years. It's a bit like Phil and Kirsty's guaranteed growth list of 'up and coming' areas of the UK as shown on Ch4.

[AtW]

Thanks little Odd Bod (SASguru Jnr)

Don't cry baggy, I like cats

[Bagpuss]

Thanks little Odd Bod (SASguru Jnr)

[AtW]

are we in for a brown trouser ride?

If you wear your leather gimp suit then you should be okay.

HTH

[DimPrawn]

Brazilian off-plan BTL

That's where the smart money is.

[Bagpuss]

I'm not looking to put all my eggs into one basket, or should that be all my baskets into 1 egg?

The FTSE is overpriced, it's going to fall, question is if it will be up to todays value in 3 years time or are we in for a brown trouser ride?

Doomed etc.

[DimPrawn]

3 year bond

23% gross (7.14 AER) if FTSE is higher at maturity than initiation
otherwise money back.

Seems a pretty good deal


Discuss or not etc.

Oh Dear ™

[max]

3 year bond

23% gross (7.14 AER) if FTSE is higher at maturity than initiation
otherwise money back.

Seems a pretty good deal


Discuss or not etc.

Have you compared with what you'd get if you bought the ftse direct?

7.14 AER probably before tax
FTSE div probably 3%(guessing) with tax paid unless higher tax payer

So guess you win if ftse doesn't go up by 3% per year. Long term avg is 8%.

Also, you get get 6.4% at the bank these days..


Doesn't seem to good.

[crack_ho]

Egg get to keep the divis.
Carp product.

[Bagpuss]

that's the gamble

[AtW]

if FTSE is higher at maturity than initiation
otherwise money back.

Seems a pretty good deal

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