Wind Turbines

[Hutch]

I can't believe that anyone with that level of disposable income is putting it all into cash savings anyway - a Stocks & Shares ISA is a much better place

I have a substantial amount in cash ISA's, I moved from stocks and shares savings but due to COVID,,we lost over £ 20 k in a month, pulled our savings out and put it into a couple of cash ISA's between myself and Mrs H. A horrible low interest rate but at least we are not loosing our savings.
Don't get caught out.

 

[otherclive]

I have a substantial amount in cash ISA's, I moved from stocks and shares savings but due to COVID,,we lost over £ 20 k in a month, pulled our savings out and put it into a couple of cash ISA's between myself and Mrs H. A horrible low interest rate but at least we are not loosing our savings.
Don't get caught out.

We bought at the low in 2008 finance crash and they dipped quite a bit during covid, but unless the money was needed I would not withdraw in a falling market. They have more than regained since then at a good growth.

 

[RogerL]

I have a substantial amount in cash ISA's, I moved from stocks and shares savings but due to COVID,,we lost over £ 20 k in a month, pulled our savings out and put it into a couple of cash ISA's between myself and Mrs H. A horrible low interest rate but at least we are not loosing our savings.
Don't get caught out.

Sorry to have to tell you this - but when your Stocks & Shares ISAs dropped significantly during Covid, as they all did, then that was totally the wrong time to switch to cash as you just fixed your big loss with no way of recovering it - ours have now doubled in value since the lows during Covid.

Nominally, we lost £27,000 between Jan 2020 and Mar 2020 but it had regained it all by Nov 2020 - similarly we lost £29,000 in 3 months when Trump got his 2nd presidency but regained it all in the 2 months after that - we're expecting another big drop after this weekend's politics but it's bound to recover.

Don't panic Mr Mainwaring !

 

[GUMPY]

I'll stick with our cash ISAs at 4+%
Having said that they all mature during this year so will have to reinvest to keep them out of the tax man's hands. As well as invest in another after 5/4/26

 

[RogerL]

I'll stick with our cash ISAs at 4+%
Having said that they all mature during this year so will have to reinvest to keep them out of the tax man's hands. As well as invest in another after 5/4/26

Each to their own - I'll stick with stocks & shares ISAs at 15% long term and 20% last 12 months - never have to even think about tax - although we do have a small chunk in non-ISA cash savings for rainy days and unexpected bills.

 

[Oscarmax]

Our 4.4kWh system over the past 12 months has exported about 3600 kWh, approximately £550, we have imported about 2600 kWh we have a solar battery which does not export back to the grid, this includes charging up the PHEV. So we over that 120% figure ?

Interest on our savings (excluding ISA) about £260/270 so well within the £1,000 limit.

 

[GUMPY]

Our 4.4kWh system over the past 12 months has exported about 3600 kWh, approximately £550, we have imported about 2600 kWh we have a solar battery which does not export back to the grid, this includes charging up the PHEV. So we over that 120% figure ?

Interest on our savings (excluding ISA) about £260/270 so well within the £1,000 limit.

You have imported 2600kWh but your usage is not altogether related to that.
Some of your usage will be from the 2600 some will have been from solar and some from the battery was that solar or grid? With so many systems there is no real easy way to measure usage.
I wouldn't worry about it.

 

[Oscarmax]

In 2024 we imported 2980.52kWh and exported 2875.61kWh 2025 was an exceptional year.

 

[GUMPY]

Being battery based (we never use grid electricity directly) means out import export figures are well askew.
Import 992kWh of which 700+ was in Jan, Feb, Nov,Dec to charge when sun was in short supply.
Export 2966kWh mostly in the Summer as expected.

ETA our actual home consumption last year was about 2700kWh, down from previous years which was about 3000kWh.

 

[Beachball]

I'll stick with our cash ISAs at 4+%
Having said that they all mature during this year so will have to reinvest to keep them out of the tax man's hands. As well as invest in another after 5/4/26

We are with Nationwide cash ISAs but we will be keeping them in for another year .

 

[GUMPY]

We are with Nationwide cash ISAs but we will be keeping them in for another year .

Coventry Building Society had better ISA rates for me despite me having been with NW since 1976😎

 

[otherclive]

Coventry Building Society had better ISA rates for me despite me having been with NW since 1976😎

Since receiving LPOA fir BIL I’ve moved most of his stuff from other banks and building societies to the Coventry. There are branches in three local towns, staff always helpful and their on line banking delightfully straight forward. Plus 2% app on current account whereas Santander was zilch. Plus I couldn’t buy a ISA in branch at Santander and their IT system was useless.

 

[Beachball]

Coventry Building Society had better ISA rates for me despite me having been with NW since 1976😎

We use to have our mortgage with them and we have stay with them for years now .

 

[GUMPY]

And I thought CBS was my discovery after MHBS that is.

 

[RogerL]

Some years ago we used a Halifax Regular Savings Account, to accumulate money before paying it into a stocks & shares ISA, which had an associated Instant Saver Account which I recently got an email saying it's paying 0.75% - needless to say there's no money in this account!

Within our stocks & shares ISA I use a bond-based High Income unit trust for short-term investments - it's paying 4.9% pa dividend and about the same in annual capital growth.

Given that our investments will eventually find their way to our son and his family, we transferred some big chunks into Lifetime ISAs in their names to take advantage of the government 25% bonus and then stock market growth/dividends on top - they'd already got their mortgage so can't use it as house deposit but can withdraw it all when they're 60, without any deduction.

 

[GUMPY]

4.15% on our cash ISA at present.
We fully intend to spend everything before we die so the kids just get the house and chattels