I like the way you have set it up to keep all of your options open.parchedpeas wrote: ↑Sun Jul 12 2020 11:47pmI got into Club Lloyds at 2.5% for £400 a month but you can withdraw whenever you like and keep the same rate, which is what sold me. It's dropped to 2% now, but same rules.
I just opened up FD and HSBC reg savs with max deposit but will let them roll over with lower amount (£50 ish) for now while I keep my options open. But I think the 2.75% rate is likely to be pulled pretty soon, so might be worth parking something there to give you the option later in the day (you can top up to the full amount any time later down the line, so potentially 6 months time you'll have it as an option).
Rates are not going to recover, we're going to need to inflate our way out of the huge debts we've accrued.
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