Where should an ex-Civil Servant invest their lump-sum?

Retired Public Servants and their Lump Sums

With respect to the National Solidarity Bond Marc says:

"So, under any reasonable set of circumstances this would be a truely terrible recommendation for a retired civil servant."

If you put €100,000 into the 4 year NSB
You by my etimate will have €114,127 into your hands in 4 years time

As for inflation perhaps what the Retired Public Servant would be likely to purchase
would be less effected by any increased rate

"truely terrible" I think not
 
Investec Kick-Out Account

I have received information advertising this investment product. Can anyone advise on the details of this? I am unsure how the Kick-Out mechanism works and whether it is a wise option or not.
 
The post office saving plans have attractive interest rates compared to other deposits which are subject to DIRT. But (and it's a big "but"), the reward depends on leaving the deposit untouched for the entire period. You can get at your money earlier - but there's a penalty.

And what if inflation soars during the term? Spain's inflation is currently more than 20% per annum.

The real downside of the NTMA bonds is the length of time you have to lock your cash away for.
 
Savvy Row said:
And what if inflation soars during the term? Spain's inflation is currently more than 20% per annum.
Click to expand...

There is a kinked demand curve between inflation and unemployment... So unless there is a remarkable improvement in the economic situation this is not a very likely out come...

Oh and BTW, the Spanish inflation rate is about 2%!
 
stop loss

Was thinking about investing in say 10 blue chip shares paying a good dividend over a 10 to 15 year period.However i would like to put a 20 or 25 percent stop loss in place.I contacted several stockbrokers and they do not have this stop loss facility.I was just wondering does anyone know a stockbroker who can do this.Thanks.
 
Last edited:
You must log in or register to reply here.
Back
Top