tosullivan
Registered User
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Except you are using 11 years...that same 10 year period
Fair enough but I expect that you can plug in the same figures and get almost the same result over a ten year period.Except you are using 11 years...
You get exactly the same result, because both calculators are looking at the same CSO CPI data.Fair enough but I expect that you can plug in the same figures and get almost the same result over a ten year period.
Yes, the 1st launch in April 2010 paid 50% after 10 years.I'm sure the return would have been much better with the 10 year product.
Question: "is there DIRT charged on that?"I fail to see why the thread has gone "way off topic".
Just googling Irish inflation calculator (http://www.hargaden.com) indicates that "€50000 in 2008 was worth about €49965.47 in 2018."
The CPI inflation calculator (www.cso.ie) for €50K during that same 10 year period shows that "A basket of goods and services that cost €50,000 in Apr 2008 would have cost €50,703.56 in Apr 2019."
Based on those figures a return of €8K with no dirt charges appears attractive.
I would expect a return to inflation somewhat as normal sometime soon.
just want somewhere risk free with moderate returns for next 10yrs on 40-50k
The funds are accessible at 7 days notice at any time during the 10 years.In any event, you should not tie up your money for 10 years. Your personal circumstances may change or the investment landscape may change.
The funds are accessible at 7 days notice at any time during the 10 years.
I have quite a sum of money in State Savings. Looking at the awful returns on the 3 year and 5 year products I decided not to reinvest a sum of money that was maturing from them. I was actually looking at the list of accounts that I have with maturing dates in to the 2020's and wondered what in God's name am I doing.
Instead I topped up on a high yielding dividend share that returns just over 5% per annum. I know that the price of this particular share fluctuates but I have had a holding in them for over 20 years and I am happy to do so with a little bit of risk.
We had thought of becoming landlords but we are of the age where we don't need the hassle. We had thought of a Spanish holiday home purchased in one of our adult children's names but there was no guarantee that all the family would use it.
So we have decided to spend the dividends on renting someone else's holiday home and generally up our daily spend on enjoying ourselves.
The thoughts of putting more money in State Savings for long periods is kind of depressing. I am however very grateful for everything that I have and appreciate that others haven't been so lucky. Having said that, everything I have has been hard earned, with some risk taking over the years. So tosullivan, have you thought of just spending it?
I am not allowed under AAM rules to name specific shares. However if you Google High Yielding Ftse 100 shares you will get an idea. The nice thing about this share is that it pays a dividend 4 times a year rather than just twice.Im intrigued to who the shares are in!!
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