RE: Funeral Plans.... an odd risk to take...?
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I get that people want to be financially secure and not pass one debts to the kids, but it needs to be reasonably safe. My mum has a load of premium bonds that she says can pay for her funeral. She's getting winnings from that, but it may not be the best rate unless you are really lucky. At least it won't lose value.
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I'm a pretty big fan of good old premium bonds, better odds than the lottery of winning big and my own rate of return with smaller winnings is around 4%.