The Lemon Fool

In the light of various discussions on LF and changes (e.g. change from RPI to CPI in May 2019), I've been thinking about reasons to continue to hold money in index-linked savings certificates (SC) (I don't hold any fixed rate SCs), compared to other thngs like investments (shares & investments trusts) and ISAs as part of a balanced set of assets:

• no tax for UK holders and no need to report on annual tax return
• no need for an IFA (I suspect they don't care for SCs much) and no IFA fees
• hedge against inflation (which is quite hard to find)
• cash holdings in e.g. a bank would only be covered up to £85k FSCS (or whatever the limit currently is); NS&I is backed by the govt (no FSCS limit...?) and limit is higher; also bear in mind any Premium bonds that might be held

Any other thoughts/comments/suggestions/ideas?

Personally, I'm staying put at the moment