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» Current Poll
Best 5 club teams in history of Football:
Liverpool 1977-1978 - 100.00%
1 Vote
Real Madrid 1956-1960 - 0%
0 Votes
Juventus 1985 - 0%
0 Votes
Milan 1989-1990 - 100.00%
1 Vote
Ajax 1971-1973 - 0%
0 Votes
Santos 1962-1963 - 0%
0 Votes
Torinho 1940's - 100.00%
1 Vote
Ajax 1995 - 0%
0 Votes
Flamengo 1981 - 100.00%
1 Vote
Benfica 1961-1962 - 100.00%
1 Vote
Total Votes: 1
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Old 08-31-2007, 12:22 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #1
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Default I've got some spare cash and want to do something with it - ISAs and such like

Basically I've ended up with some spare cash (anywhere up to around £7,000) as I've been working ridiculous hours for the last few Summers, and I've still taken quite a bit of my student loan.

Anyway, its a waste of time having it in my current account as it earns me practically nothing so I want to invest it to get a higher return.

What I need is simple enough really, the highest return possible (obviously) and whilst having access to it instantly would be nice, I could live with having to give a period of notice.

My own bank (Ulster in Northern Ireland) have an ISA with a rate of 4.90%, which I have noticed is a bit poor actually, as National Savings & Investments have a rate of up to 6.30%.

I'm only looking at ISAs here as thats really the only thing I have an inkling of an idea about. Is there anything else I should be looking at? Or if ISAs are the way to go, is National Savings & Investments my best bet?
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Old 08-31-2007, 12:23 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #2
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i'll look after it for you
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Old 08-31-2007, 12:25 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #3
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HSBC online saver 6.25%
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Old 08-31-2007, 12:26 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #4
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I have an NS&I ISA, its the one moneysavingexpert recommended when I checked a few weeks ago. Really easy setup, just dump it in there and leave it.
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Old 08-31-2007, 12:27 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #5
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2 mini cash ISA's with each have a maximum of £3,000 each. Sorted
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Old 08-31-2007, 12:35 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #6
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Quote:
Originally posted by ZanteMatt:
2 mini cash ISA's with each have a maximum of £3,000 each. Sorted
thought you were only allowed one?
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Old 08-31-2007, 12:35 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #7
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Quote:
Originally posted by Spottswoode:
I have an NS&I ISA, its the one moneysavingexpert recommended when I checked a few weeks ago. Really easy setup, just dump it in there and leave it.
Yeah, I checked moneysavingexpert which is where I found out about NS&I, just noticed you can deposit by credit/debit card, looks handy as hell actually.

Quote:
Originally posted by ZanteMatt:
2 mini cash ISA's with each have a maximum of £3,000 each. Sorted
Can you have two different ISAs open at the same time? I can't remember where but I think I read somewhere that it wasn't possible to do that.

Pickles - beat an interest rate of 6.30 and the money is yours
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Old 08-31-2007, 12:35 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #8
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you are only allowed one.
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Old 08-31-2007, 12:40 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #9
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Well if I'm only allowed one ISA, is there anything I can do with the other £3000-4000?
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Old 08-31-2007, 12:43 PM   I've got some spare cash and want to do something with it - ISAs and such like Post #10
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The HSBC one I have is one of the highest rates around, what bank do you use?
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