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Advice Please

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I thought perhaps it was a bad idea at the time.

I've had a 3-year ns&i index-linked savings cert for a little over 3 months. At the time I took it out, RPI looked like a good bet with year 1 of the cert returning RPI + 0.7%. For a higher rate tax payer, this looked like a good deal in September and even October. But with RPI falling, I reckon I can now just about get more with a basic savings account paying 5.2% such as the Nationwide's Christmas bond.

Gold aside, should I pull the cert? I get my capital back (15k) without any interest payments. Putting it into Gold at a low of 450USD/oz may allow me to make back the returns over the rest of next year. If I leave it in there, I have until Sept 2006 to wait and "suffer" these artifically-low RPIs before I can pull it and at least get the first years paltry earnings.

And ideas?

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