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  • Which NS&I products can be held in trust?

    Our investments that may be held in trust are:

    • Fixed Interest Savings Certificates
    • Index-linked Savings Certificates
    • Guaranteed Growth Bonds
    • Guaranteed Income Bonds
    • Income Bonds
    • Investment Account

    Please note that some of these products are not always on sale. Please check the Adviser Centre for more details.

    NS&I investments which may not be held in trust include:

    • Direct ISA
    • Premium Bonds
    • Direct Saver
    • Junior ISA

    Find out more

  • Which NS&I investments can be held in a SIPP or SSAS?

    Some of our investments can be held in a SIPP or SSAS, in the form of a pension trust holding. However HMRC’s permission is not a guarantee that a provider will allow an investment in their schemes. Always check with the SIPP or SSAS company concerned.

    Our investments that may be held in a SIPP or SSAS are:

    • Fixed Interest Savings Certificates
    • Index-linked Savings Certificates
    • Guaranteed Growth Bonds
    • Guaranteed Income Bonds
    • Income Bonds

    Please note that some of the above products are not always on sale. Please check our Adviser Centre for more details.

    Our investments which are not permissible in a SIPP or SSAS are:

    • Direct ISA
    • Premium Bonds
    • Direct Saver
    • Investment Account
    • Junior ISA

    Find out more

  • How much can a client invest in total in secure cash deposits with NS&I?

    Scenario 1 – For clients aged 18+

    A client can invest £6,170,000 in NS&I products: £2,000,000 in Direct Saver; £1,000,000 in Guaranteed Growth Bonds (British Savings Bonds), £1,000,000 in Guaranteed Income Bonds (British Savings Bonds); £1,000,000 in Income Bonds; £1,000,000 in Investment Account; £100,000 in Green Savings Bonds; £50,000 in Premium Bonds and £20,000 in our Direct ISA.

    Scenario 2 - For clients aged 16 or 17

    Initially, a client can invest £6,159,000 in NS&I products: £2,000,000 in Direct Saver; £1,000,000 in Guaranteed Growth Bonds (British Savings Bonds), £1,000,000 in Guaranteed Income Bonds (British Savings Bonds); £1,000,000 in Income Bonds; £1,000,000 in Investment Account; £100,000 in Green Savings Bonds; £50,000 in Premium Bonds and £9,000 in Junior ISA.

  • How much can my client invest with NS&I in tax-free savings?

    Initially, your client can invest £70,000 in NS&I tax-free products (£50,000 in Premium Bonds and £20,000 in our Direct ISA). They can then invest more, tax-free, once their ISA allowance starts again each year. It's also worth remembering that full values of mature Index-linked Savings Certificates and Fixed Interest Savings Certificates can remain invested tax-free. Your client may also invest £9,000 in our Junior ISA in the 2023/24 tax year for a child under 18 as well as £50,000 in Premium Bonds for a child under 16.

  • Why should financial advisers recommend NS&I products to their clients?

    Cash is widely regarded as the solid base which underpins a successful investment structure. A healthy proportion of your client’s money in cash based products helps deliver consistent returns and offsets the effects of market volatility, particularly in the short to medium term. Cash deposit products also often offer liquidity in a portfolio, as customers usually have easier access to their money than other asset types.

    NS&I offers a range of products – some of which are tax-free - which are designed to be the foundation of an investment portfolio. All of our savings and investments are backed by HM Treasury, which makes them 100% secure. That’s complete security and peace of mind for your clients, for all their money, even above the Financial Services Compensation Scheme (FSCS) limit.

    NS&I has been a trusted provider of savings and investment products for over 150 years, and advisers tell us that when recommending NS&I to their clients, the peace of mind provided by our security and our link to Government is so positively viewed by clients that it helps engender trust in the adviser themselves.

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