直す/買収する,八百長をする 貯金 社債s before 率s 落ちる
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月毎の income 探検者s can earn 6.5% before 税金 in a 直す/買収する,八百長をするd-率 account, an attractive 取引,協定 when the general level of 利益/興味 率s is 推定する/予想するd to 落ちる next year. The best 取引,協定s come on one-year 直す/買収する,八百長をするd 率 社債s.
But to 直す/買収する,八百長をする now at a わずかに lower 6.4 % for two years could 証明する a better bet if Bank of England base 率 starts to 落ちる - and it will やめる はっきりと, によれば some 経済学者s' 予測s - next year from its 現在の 5.75% level. The Bank is 推定する/予想するd to 削減(する) 率s to 生き返らせる a slowing economy.
Andrew Clare, professor of 資産 管理/経営 at City-based Cass 商売/仕事 School, says: 'There is a 重要な headwind 直面するing the economy and there is a good chance of a 削減(する) by February at the 最新の. It could go as low as 4.75% or 5%.'
Professor Peter Spencer, from York University, says: 'The Bank of England will wait until the new year before cutting base 率 - it could be as 早期に as January because of the slowing economy. It could be as low as 5.25% by May.'
Roger Bootle, from consultancy 資本/首都 経済的なs, also thinks 率s will 落ちる, 結局 as low as 5% by the end of next year, with the first 削減(する) coming in February.
He says: 'The past few weeks have seen the first real 調印するs that higher 利益/興味 率s and the 財政上の 危機 are starting to take their (死傷者)数 on 経済的な activity.'
Savers can earn an extra £180 a year on £10,000 貯金 by switching to 最高の,を越す accounts when their 存在するing 社債s 円熟した.
The 国家の 貯金 & 投資s (NS&I) one-year Pensioners 保証(人)d Income 社債s Series 32, 支払う/賃金ing 4.65% before 税金, started to 円熟した this month.
If you roll your 投資 over into the 最新の 見解/翻訳/版 - series 36 支払う/賃金ing 4.95% - you will see an extra £30 a year before 税金 on each £10,000 投資.
But if you switch to a 最高の,を越す one-year 取引,協定 such as those on 申し込む/申し出 from 全国的な or Icesave, you'll see an extra £15 a month, or £180 a year.
NS&I Pensioners 社債s 支払う/賃金 out 利益/興味 before 税金 is deducted, so taxpayers must settle up with HM 歳入 & Customs (HMRC).
Other banks and building societies 支払う/賃金 利益/興味 after 20% 貯金 税金 has been deducted, unless you 調印する form R85 to say you are a 非,不,無-税金 payer.
You can also do better with banks a nd building societies if you want a two-year 直す/買収する,八百長をするd 率 取引,協定, where the 最高の,を越す 率 is 6.46% before 税金 (5.17% after 20% 貯金 税金) from Chelsea's internet-based account or 6.4% (5.12%) with Saga's telephone-based 取引,協定. NS&I's 現在の 問題/発行する of its two-year Pensioners 保証(人)d Income 社債s is a much lower 4.85% (3.88%).
This gives a 月毎の income of £39.86 before 税金 (£31.89) on each £10,000 投資するd, compared with Saga's two-year 申し込む/申し出ing of £52.60 (£42.80) - or nearly £13 more before-税金 利益/興味 each month, equal to over £150 a year.
避ける 最高の,を越す High Street (疑いを)晴らすing banks, too, if you want a 直す/買収する,八百長をするd 率 取引,協定 - they 支払う/賃金 いっそう少なく than 5.5% before 税金.
If you want to 直す/買収する,八百長をする 月毎の 利益/興味 from your 貯金 wrapped up in 税金-解放する/自由な cash Isas, then Yorkshire Building Society 支払う/賃金s 6.08% 直す/買収する,八百長をするd for a year.
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