Is a Fixed Rate Bond Right for Me?

Many investors a safe return to their discretionary income to grow and realize that traditional savings account or certificate of deposit (CDs) are looking to cross. At the same time, they want to avoid stock market volatility, and investing in savings bonds is their most popular choices.

Deciding which is best for the type of savings bonds

If you want to pursue some of the financial instrument, noting that you are considering investing carries a fixed rate or floating rate, may be because the difference is enough to begin with. For example, a certain amount of fixed rate bonds provide security, but the interest rate adjusted for inflation or any other important financial factors will not be changed. Conversely, if a temporary savings bonds, interest rate periodically on the change, and at times, it is to benefit the bondholder.

The advantages of buying a fixed rate bond.

A fixed rate bond instead of a floating rate bonds could prove to be beneficial. Often the interest rate announced in May and November, and during those six months will have some idea of ​​what can be expected. Also, once you invest in bonds to a fixed rate, it continues to earn the specified amount, and there are no exceptions. However, the amount you invest, you can not add to the bond purchase.

In cases where the total savings in excess of £ +4000, the fixed rate bonds can provide you with some additional flexibility. For example, you save 25% to 50% of their funds in bonds and a savings account balance is locked you can immediately put into use is an option. In addition, the government guaranteed all savings are administered by a banking group, £ 85.000.

Setting interest rates for savings bonds

Note that conventional fixed-rate bonds generally offer a higher interest rate than savings accounts, and you will benefit from the purchase of the interest rates fall.

Where you can buy savings bonds

They can be bought from banks and building societies in the UK, and generally speaking, the interest rates offered by the latter group are better. In addition, the competition has increased recently, you will find that more than 100 different savings bonds are available for your consideration.

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