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Nadeem
Veteran Investor
Joined: 11 Jul 2004
Posts: 639
Cash Points ££ 13955.74
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 Posted: Sun Jul 10, 2005 3:52 pm Post subject: Guaranteed Equity Bond 125% of rise in the FTSE |
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The National Savings & Investments (NS&I) has launched a new Guaranteed Equity Bond (GEB). Providing you have at least £1,000 and are willing to lock this cash away for five years, it’s a cracker.
How does it work?
Technically it’s a five-year savings account where the interest you earn depends on the performance of the FTSE-100 index.
If the FTSE increases? You’re paid 125% of the growth of the index. E.g. If you put £1,000 in and the market increased by 50%, you’d get a 62.5% return, that’s £625 back on top of your £1000.
If the FTSE falls or crashes? All your original investment is returned.
Therefore the idea’s simple; you get to gamble that the stock market will grow, but with a very limited risk if the markets crash.
http://www.nsandi.com/products/geb/overview.jsp |
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Neo
Saving Enthusiast
Joined: 24 Oct 2004
Posts: 147
Cash Points ££ 595.04
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| Posted: Sun Jul 10, 2005 3:54 pm Post subject: |
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yeh the main thing going for it is capital security
But you don't get dividends, You can't exit when you want to i.e. its fixed term. and you have to pay Income tax at the end of term rather than capital gains tax or have the return spread out during the term rather than all taxable in the final year ! |
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Ellie
Stranger
Joined: 30 Jan 2005
Posts: 7
Cash Points ££ 15.00
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| Posted: Sun Jul 10, 2005 4:14 pm Post subject: |
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| I am useless at picking stocks, so may give this product a shot |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Sat Aug 13, 2005 3:32 am Post subject: |
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| Deemy makes a good point about the income tax liability rather than capital gains tax which can be offset against a largly unsed allowance of approx £8k a year. |
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Ahmed
Stranger
Joined: 17 Feb 2005
Posts: 8
Cash Points ££ 20.00
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| Posted: Wed Oct 12, 2005 5:20 pm Post subject: |
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| Yeh they are poor investments for tax payers especially 40% tax payers ! |
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cardjunkie
Professional Investor
Joined: 24 Jul 2004
Posts: 311
Cash Points ££ 2248.20
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| Posted: Sun Oct 23, 2005 4:59 am Post subject: |
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| They may be poor, but look at the FTSE now donw nearly 400 points from its peak.. the bond would protect against falls like this. |
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cashrich
Stranger
Joined: 26 Jan 2005
Posts: 11
Cash Points ££ 55.00
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| Posted: Tue Nov 29, 2005 5:34 am Post subject: |
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Down 400 up 400 all in a month 
Just buy the damn bond and forget about it for 5 years  |
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fireboy
Saving Enthusiast
Joined: 18 Oct 2004
Posts: 134
Cash Points ££ 459.94
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| Posted: Fri Dec 02, 2005 12:17 am Post subject: |
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The problem IS the 5 years ! Stock market cycles are Up 3 down 1 up 3 down 1- roughly so 5 years.. where would that put you ?  |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Sun Jan 08, 2006 6:18 am Post subject: |
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| fireboy wrote: | | The problem IS the 5 years ! Stock market cycles are Up 3 down 1 up 3 down 1- roughly so 5 years.. where would that put you ? |
Yes the average bull market is 3 years and average bear market is 1 year, so timing is everything. |
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techman
Money Saver
Joined: 08 Sep 2004
Posts: 106
Cash Points ££ 328.00
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| Posted: Fri Feb 03, 2006 11:28 pm Post subject: |
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Nope, time does not look like its run out yet  |
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Sarah
Money Manager
Joined: 16 Jul 2004
Posts: 831
Cash Points ££ 12024.38
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| Posted: Sun Feb 12, 2006 6:54 pm Post subject: |
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It seems to be distributing along the highs
2006 is likely to be a hard year for the stock markets and likely may contain a mini bear market within it |
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techman
Money Saver
Joined: 08 Sep 2004
Posts: 106
Cash Points ££ 328.00
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| Posted: Sat Feb 18, 2006 12:46 am Post subject: |
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| Looks strong to me , higher highs and lows is a sign of a strong bull market |
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