lloyds shares-worth buying or not

it will be priced to give profit for sure

Should be an ok investment. The dividends will grow over time from a low base and the shares should appreciate as they do. (Barring the next disaster!)

The level of the main index of the market when you buy them is crucial.

If they're at a 5% discount and you get another share for every ten you hold for 12 months, that's 15% in the bag in the first year.
Then you get the dividends on top.

Can't see a huge jump in price like the post office one as they were sold under priced as many told government before they sold them.

The government has announced that, subject to market conditions, a retail sale of Lloyds Banking Group shares will take place in spring 2016.


What we know so far about the terms of any offer
Final details are yet to be confirmed, however initial reports suggest:

Investors will be able to apply for £250 to £10,000 worth of shares.

Applications of up to £1,000 would be prioritised.
One bonus share for every ten held for a year, subject to a cap.
Discount of 5% to the market price.

As investors who bought Lloyds shares prior to the banking crisis will attest; the value of shares fall and rise, so you could get back less than you invest.

should have lumped on at 28p

would never have been allowed to fold as they helped the government out taking on a bank at risk.