National Pensioner Bonds

These new savings bonds from National Savings & Investments (NS&I) are to be launched in January. The date has yet to be announced. Their distinctive feature will be the market thumping fixed interest rates, 2.8% gross for the one year bond and 4.0% p.a. for the three year bond. There are however some important points to take into account before …

Favoured Investment Opportunities

Recently in advice to a client on investment of cash I briefly surveyed a variety of my current favoured ideas and other options. I thought my comments would form the basis for a blog post, so here goes.   1. Cash   This can be retained for risk reduction purposes. Cash is suitable for very cautious investors who are more interested …

High Yield – The Search for Income

In an economy of balance sheet deleveraging and low growth a key challenge for investors is the search for income. The impact of the financial crisis in 2008 has led to structural changes in the UK economy with very low interest rates having become the norm. By low interest rates we need to distinguish between those that apply to cash and those that …

Cash Savings & Comparison Website

With inflation falling, cash now offers better real returns. In addition increasing competition for cash savings is leading to higher interest rates and better terms, for example on accessibility or not employing temporary bonuses. These attract customers with high interest which tumbles to a paltry rate after six months or a year at the end of the bonus period. Deposit takers have historically relied on customer apathy not to move monies. Shockingly many …