Post by invester on Sept 25, 2016 22:04:07 GMT
Might be coming into some money soon, but my intentions are to buy some shares with it. Trouble is, I might not be able to purchase straightaway (I know who I want to invest in, but their price might not be correct), so I could be sitting on it for a few months, but hopefully no more than 6.
I have already got a full 123 account and with their rates going down that doesn't seem a good option. I am also fully premium-bonded up. In terms of overall risk, I also can probably stomach some (not hugely exposed to P2P), but I'd only deposit at someone reputable.
Wondered if there were any good options for instant access (with no penalty). So far I've seen:
1) Ratesetter rolling market - says no fees, but what if the rate drops a couple of ticks, do I lose out?
2) Assetz Instant - 3.75% it says, but having queued for the GBBA is there something similar here?
3) Saving Stream - almost as good as liquid, but that is now, maybe not the case in a couple months, also risks of loans going bad.
Is there anything else that I have not considered? Obviously could just park it in bank account but if I could eek out some more or so for a small risk I'd be up for that.
I have already got a full 123 account and with their rates going down that doesn't seem a good option. I am also fully premium-bonded up. In terms of overall risk, I also can probably stomach some (not hugely exposed to P2P), but I'd only deposit at someone reputable.
Wondered if there were any good options for instant access (with no penalty). So far I've seen:
1) Ratesetter rolling market - says no fees, but what if the rate drops a couple of ticks, do I lose out?
2) Assetz Instant - 3.75% it says, but having queued for the GBBA is there something similar here?
3) Saving Stream - almost as good as liquid, but that is now, maybe not the case in a couple months, also risks of loans going bad.
Is there anything else that I have not considered? Obviously could just park it in bank account but if I could eek out some more or so for a small risk I'd be up for that.
