Investment Types - National Savings Certificates
National Savings Certificates
Investments  >  Types   >  National Savings Certificates



National Savings and Investments 

If you're averse to any kind of risk and want a completely safe home for your money, then National Savings & Investments (NS&I) is well worth considering.

Cautious investors also like NS&I products because they are backed by the Treasury and therefore guarantee absolute security for all the money you have invested.

The most popular products available from NS&I are index-linked certificates. These certificates go on sale periodically but in recent years have been withdrawn at short notice because they become quickly over-subscribed.

The reason why index-linked certificates are sought after is because they guarantee to pay a certain amount above the retail prices index (RPI) tax-free and therefore ensures your money will not be eroded by inflation over time.

Another product from NS&I which goes on sale every so is the fixed-interest certificate, which promises to pay a fixed rate of interest tax-free over a set period.

You can sign up for email updates when certificates and limited issue bonds go on sale or you can keep checking our investments and saving sites for news on these products.

NS&I also offers savings accounts including cash Isas and deposit accounts, but the rates are usually lower than on offer from banks and building societies. This is a cost you pay for the 100% guarantee but is also a reflection of how much money NS&I needs to raise for the government. Being an agency of the government, NS&I is effectively its retail bank with the purpose of raising money for the Treasury to go towards government spending.

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