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Is anyone here seriously saying they can outperform a guaranteed 3% pa over the next 2 years*?
I think the larger question is: if you are doing this
We still have a rainy day fund we'd be adding to whilst overpaying by almost 100%
is earning 3% actually winning?
I think overpaying by 100% is an indicator of the need to speak to an IFA or someone you trust who knows how to make money work for you.
Aren't the key facts here:
and
?
Is anyone here seriously saying they can outperform a guaranteed 3% pa over the next 2 years*?
*as in these next two years following on from C19, Brexit, Trump's unencumbered rule, and China's pre-C19 slowdown