Investment & Investing

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Greenbank
Golf club fodder here but whatever...

What kinds of rates would you be expecting to get, after tax, if you had £500k cash to invest for a 4 year period:
- low-to-medium risk - this is not YOLO/FAFO money
- Assume 40% income tax
- Happy for up to 80% of it to be tied up for the full 4 years, but would like to keep 10% available at 1 years' notice and 10% available within 3 months
4% after tax?

Premium Bonds could gobble up £150k of it and give ~4.1% tax free and is almost instant access but that doesn't cover the whole lot.

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frankenbike in reply to @Greenbank

Why 4 years?

Is there a specific date at which you'll need it (e.g. uni fees for kids or something) or is that just a rough timeline where you might move house or retire or whatever? Probably makes a difference as to what you do with it

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