Pensioner government Bonds

Always best to find things for yourself, so many different permutations with money! But people have also been helpful on here too.

Guaranteed no fees no commission for promoting any particular place to put your money.   Every persons needs and expectations are different, at the end of the day you can only compare and contrast before 'jumping'.  I like unbiased suggestions that won't be lining anyones's pocket

The headline is sensationalism .The bonds mature with the guaranteed interest but the scheme will not be continued

Write your comments here...Think I may be due an appology Bob do you?

Happy to pass on what we have discovered.

We are of course all different, so some accounts will suit one but not others.

OH is not a taxpayer as her pension is miniscule, so most of our savings are in her name.  For her, ISAs are useless.

Next Tax Year, with the new savings allowance, I will be able to have a bit more in my name.

Even so, current accounts are likely to be better for me than ISAs.

Happy to pass on what we have discovered.

We are of course all different, so some accounts will suit one but not others.

OH is not a taxpayer as her pension is miniscule, so most of our savings are in her name.  For her, ISAs are useless.

Next Tax Year, with the new savings allowance, I will be able to have a bit more in my name.

We are in a similar position but I work part time so under the personal allowance - I hope that you'll have some 'released' to you in  the new in financial year - possession is 9/10ths of the law   I'm not telling my OH

OH has transferred 10% of her allowance to me as she has less income than her PA, so that saves me £200 in tax.

But she still has unused PA, so we keep more savings in her name than mine.

Next TY, with the £1000 interest allowed before being taxed, we will work out what I could have and move money accordingly.

Good to equalise things as far as possible at our age, just in case care home fees should come into the discussion.

Yes KjellNN I generously gave the same tax allowance to my husband .  I'm all for protecting our hard earned from the tax man and yes care home fees, if necessary can be a killer on your savings.

The headline is sensationalism .The bonds mature with the guaranteed interest but the scheme will not be continued

Write your comments here...Think I may be due an appology Bob do you?

Write your comments here...Not quite sure what you mean by that .If you thought I meant that you were sensationalising I can assure you that was not intended. The red tops are always looking for a headline and the telegraph has long be amongst the ranks.

Well, B2, I'm sure you are just a young person compared to me!  So no need to worry yet.

Care Home Fees are just another thing which hopefully we will not need to worry about, but it is best to be prepared.

My Mum lived to be almost 98 and was totally healthy till she was 93, so I am trying to emulate her.

Well, B2, I'm sure you are just a young person compared to me!  So no need to worry yet.

Care Home Fees are just another thing which hopefully we will not need to worry about, but it is best to be prepared.

My Mum lived to be almost 98 and was totally healthy till she was 93, so I am trying to emulate her.

No not reached state retirement age yet, and won't for another 6 years    In our road we have had lots who have lived to be 100+ in good helath our oldest being 4 days short of her 106th and had stayed in the house until the last 2 years - I aiming to emulate them.  I hope you emulate your mother at least you will have some of those genes

Wow!!!  Long lived people in your street!

My Dad died suddenly age 64, so I have bypassed him fortunately. 

My Mum suffered from angina for about 15 years, but lived on pills, goodness knows why she was never offered an operation.  Norway does not value its elderly it seems.

I also had angina for 9 months,  but have had a triple bypass so am now 110%.  Or as my daughter said...."very perky" .  I am taking that as a compliment!

I am planning on being around for a long time yet.