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TR25: HM TREASURY GILT 5.00% (07/03/25)
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Learner
Posted: 04 March 2025 14:30:26(UTC)
#1

Joined: 04/08/2023(UTC)
Posts: 69
What are folks planning to do with their maturing TR25?
I have used short term gilts for a few years and am wondering where to park the money now.
All my money is in ISAs or Sipp.
In gilts I just have TY25 left.
Age: 68
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Daniel B
Posted: 04 March 2025 16:45:18(UTC)
#2

Joined: 09/04/2012(UTC)
Posts: 78

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The obvious answer is another Gilt. This site might help: https://www.yieldgimp.com/gilt-yields

I am using the proceeds to top up my holding in T26A, but that's because my fixed-rate mortgage expires in January 2027 so I want to have a bit of cash available then. TN28, TG29, TG30, and TG31 all look worthy of a nibble as well, depending on how soon you might need to cash (maybe create a "ladder").
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Learner on 04/03/2025(UTC)
Andrew59
Posted: 05 March 2025 22:02:17(UTC)
#3

Joined: 20/10/2020(UTC)
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All the shorter dated gilts appear to be yielding 4.3%.
I don't want to go further out on the yield curve for an extra 0.5%, so I think - as mines in a SIPP - I'm likely to go to an MMF (RL or CSH2) or possibly an ultra short bond.
Listening to some podcasts it's clear that correlation betwen equities and bonds is closer than many think.
MMF's seem an ok (and more importantly) safe place at the moment.
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Learner on 05/03/2025(UTC)
Thrugelmir
Posted: 05 March 2025 23:42:05(UTC)
#4

Joined: 01/06/2012(UTC)
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When do you need the money?
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Learner on 06/03/2025(UTC)
Learner
Posted: 06 March 2025 09:34:27(UTC)
#5

Joined: 04/08/2023(UTC)
Posts: 69
My gilts+cash ISAs+NS&I+current account should last me 7 very comfortable years.
The TR25 monies are part of that.

I’ve not included ERNS, RLSTMM, TIPS, PNL, RIT in the above – perhaps some of it should be up there?
Currently 60% equities, - continuous effort ongoing to reduce that equities %.

[TPAW to age 95 says I should be withdrawing (a huge for me) per month amount! and have 65% in bonds!!]
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Andrew59 on 06/03/2025(UTC), Sheerman on 07/03/2025(UTC)
Chico99
Posted: 07 March 2025 13:58:47(UTC)
#6

Joined: 09/04/2010(UTC)
Posts: 97

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Straight into Easy Access a/c as I have "savings interest headroom".

Waiting on 26th March...
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Learner on 07/03/2025(UTC)
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