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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hesa in reply to @Greenbank

You could also look at UK Gilts, potentially the ones with a low coupon and pull to par. If you are sure you won’t need the money you can avoid the short term volatility and benefit from CGT exemption.
https://www.yieldgimp.com/

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