Freetrade 開始する，打ち上げるs 財務省法案s 申し込む／申し出ing a 5.2% 産する／生じる

宣伝

My golden 支配するs for 選ぶing a 正規の／正選手貯金 account: Beware the tempting headline 率s these are the real best 取引，協定s, says SYLVIA MORRIS
専門家s 明らかにする／漏らす the trick to get AA and RAC 決裂／故障 cover for いっそう少なく than a third of the price
Over 65s now more likely to 支払う／賃金所得税 than those 老年の 16 to 64 for the first time ever, IFS says - with two-thirds now on the hook
Temu 開始する，打ち上げるd last year and already has FOUR TIMES as many 顧客s as John 吊りくさび... but are its '取引s' 配達するd straight from factories the real 取引，協定?
Drivers 'waste at least ￡112m a year' by making a mistake with their cars that takes just minutes to 修正する
My granddaughter got three points for スピード違反 during a lesson -? is the 指導者 liable? DEAN DUNHAM replies
Marcus to 削減（する）平易な-接近貯金率 to 4.55% on Saturday - here are five of the best accounts to move your money to if you want a better 率
How to 勝利，勝つ the 宝くじ: We 明らかにする／漏らす the least 選ぶd numbers, if you should stick to the same ones and if online tickets are more likely to 逮捕する the jackpot
BUSINESS LIVE: UK GDP flatlined in April; DFS makes 利益（をあげる）警告; 合法的な & General 明かすs new 戦略
Starling Bank sees pre-税金利益（をあげる）s 殺到する to ￡301m as it 利益s from a far higher 逮捕する利益／興味利ざや - will it soon IPO?
Two former BHS directors must 支払う／賃金 at least ￡18m to creditors, 裁判／判断支配するs
需要・要求する for oil will 頂点（に達する） in 2029, 国際エネルギー機関 says - and we're 始める，決める for a '大規模な cushion' of 黒字／過剰 oil
ビデオ game developer Frontier 達成するs 予測（する）-（警官の）巡回区域，受持ち区域ing results thanks to 肩書を与えるs such as エリート Dangerous and 惑星 Zoo
UK economy stagnated in April thanks to 女性-than-usual 小売 sales over 復活祭, 公式の／役人 data shows
What the 選挙 means for 投資s and 年金s: Watch our 専門家 discussion on whether savers will get a 上げる or 直面する a 税金（警察の）手入れ，急襲?
What the 保守的な manifesto means for your 財政／金融s: From an NI 税金削減（する）, to 年金s and stamp 義務
What the Lib Dem manifesto means for your 財政／金融s: 解放する／自由な personal care,? CGT 引き上げ（る）s and a spending 増加する
Japan sees a 殺到する in 財政上の革新 reshaping its 消費者 culture - here's three companies taking advantage 価値（がある）投資するing in
Car touchscreens have become so 複雑にするd that more drivers now rely on 発言する／表明する支配（する）／統制するs to make simple changes to settings
Are cheap Chinese electric cars about to become much pricier? EU 始める，決める to 非難する extra 関税s on them of up to 38%
JLR to pump more than ￡1m into proactive policing as its expensive SUVs are 的d by 犯罪のギャング（団）s
How much YOUR child's を締めるs could cost, as one in five parents 選ぶ for 私的な治療予定 to waiting 名簿（に載せる）／表（にあげる）s
Mortgage arrears 殺到する 45% in a year as reality of 利益／興味引き上げ（る）s 始める，決めるs in... and those 落ちるing out of a five-year 直す／買収する，八百長をする typically see 率s DOUBLE
英貨の／純銀の攻撃する，衝突するs highest level against the euro since August 2022: How far will a 続けざまに猛撃する go in the eurozone and US this summer?

Freetrade introduces 28-day 財務省法案s to 小売投資家s this week?
財務省法案s, like 社債s, are 問題／発行するd and 支援するd by the 政府
投資家s will be able to earn over 5% annualised 産する／生じる?

Updated: 08:23 BST, 15 December 2023

e-mail

Freetrade will this week 許す its 顧客s 接近 to UK 財務省法案s for the first time, giving DIY 投資家s the 適切な時期 to earn over 5 per cent 産する／生じる.

Like 社債s, 財務省法案s are 問題／発行するd by the 政府 to 財政／金融 its 操作／手術s, but they have 大部分は been the 保存する of 豊富な投資家s with a typical 最小限投資 of ￡500,000.

In the past, individual 投資家s have also had to have an account 始める，決める up 直接／まっすぐに with a 最初の／主要な関係者, usually an 投資 bank.

Freetrade introduces UK 財務省法案s, which are 問題／発行するd and 支援するd by the 政府 like 社債s?

Now, 小売投資家s will be able to buy 28-day 財務省法案s in the 週刊誌 tender held every Friday by the 負債管理／経営 Office on Freetrade’s 壇・綱領・公約.

They are 無-coupon 社債s, meaning they are 問題／発行するd at a 割引 and redeemed at 額面価格.?

Unlike other 社債s which tend to have longer 成熟 dates, the 政府 will 返す the 量投資するd, 加える a 直す／買収する，八百長をするd return, after 28 days.

Last Friday, the 普通の／平均（する）産する／生じる to 成熟 for 財務省法案s was 5.22 per cent.?

But 産する／生じる to 成熟 calculates the annualised return you would get on a 社債 if you held it until its redemption date. It helps 投資家s to compare different 社債 types and work out which might give you the highest return.

It means that the headline 5.2 per cent 人物／姿／数字 for 財務省法案s is over the year, rather than just 28 days.

For example, 投資家s who put in ￡1,000 could earn ￡4.02, meaning a return of ￡1,004.02 over 28 days. If held for a year, 投資家s could earn ￡52.20.?

The 最小限投資 of ￡50 would earn 20p on 最高の，を越す of the ￡50 投資するd over 28 days.?

Freetrade will automatically reinvest at 成熟 but 投資家s can choose to turn the feature off and cash out. 投資家s can also choose to reinvest a 部分的な／不平等な量 at any point after 購入（する）.

創立者 and CEO Adam Dodds said: ‘I’m excited to 発表する the 開始する，打ち上げる of this innovative new 製品 for UK 小売投資家s. The UK 財務省法案 market is amongst the lowest-危険 ways for 投資家s to 安全な・保証する returns that are now finally outstripping the 率 of インフレーション.

‘Until now this market has been shut off for everyday 投資家s. Now we’re 開始小売接近 at a time when it is 批判的な that the 政府 is able to 接近 deeper and stickier 資本／首都 pools to support its borrowing and cash needs.’

Freetrade is not 非難する a 保護／拘留料金 for UK 財務省法案s until April 2024.

How do 財務省法案s 異なる from gilts??

高金利s on 直す／買収する，八百長をするd 貯金 accounts have caught many in a 税金罠（にかける）, which means they 直面する支払う／賃金ing a 抱擁する法案 on the 利益／興味 they make for the first time in years.?

It means gilts have become a popular 乗り物 for 投資家s to park their cash in to 得る the enormous 税金利益s.

投資壇・綱領・公約s have 報告（する）／憶測d higher 従来の gilt 購入（する）s over the past 12 months, with AJ Bell 報告（する）／憶測ing half of the ten most popular 投資s in September were 政府社債s.

Gilts are usually 利用できる on the 第２位 markets, 経由で other 投資壇・綱領・公約s, but their 成熟 dates tend to be a lot longer.

UK 財務省法案s, which are also 問題／発行するd by the 政府, have been much harder for 小売投資家s to 接近 and could only be bought 直接／まっすぐに through the DMO or an 投資 bank.

> How '支払う／賃金ing away' can dodge the 貯金税金罠（にかける） on 直す／買収する，八百長をするd-称する，呼ぶ／期間／用語社債s?

財務省法案s have tended to be 問題／発行するd by the 政府 for more day-to-day cash 管理／経営目的s, reserving big 発行s of 30-year 社債s or green 社債s for when they need to raise a larger 量 of 資本／首都.

It means that they tend to be for a shorter duration and as explained above they are 無-coupon 社債s, meaning they are 問題／発行するd at a 割引 and redeemed at 直面する va lue.?

Gilts and 財務省法案s are 問題／発行するd at different prices. If the 額面価格 of a 財務省法案 is ￡100, an 投資家 buys it at a small 割引 and after 28 days they are paid 支援する the ￡100. It means the return is the difference between this 割引 and what you’re repaid.

Gilts tend to be 問題／発行するd at every 額面価格 and will after a 確かな量 of time 支払う／賃金 out a coupon.

Given their shorter duration, prices tend to be いっそう少なく volatile than gilts. The UK 政府 has not once defaulted on 財務省法案s since they were first 問題／発行するd in 1877.

Brian Dennehy, managing director of Dennehy Wealth, said: 'These are gilts by another 指名する, they are just short-時代遅れの.

'We don’t 取引，協定 in individual gilts, and gilts 一般に are not 井戸／弁護士席 understood by 小売投資家s. Nonetheless, Freetrade have some decent 教育の構成要素 for those keen on 投資するing DIY.

'It is ironic that this has appeared just as 率削減（する）s appear to be on the horizon, bringing 負かす／撃墜する these 産する／生じるs. But there are probably a few 新たな展開s and turns yet as we enter a new 投資時代, with 無率s a distant memory.'?

James Yardley, 上級の研究分析家 at Chelsea 財政上の Services, 追加するd: 'Anything which gives 消費者s more choice is a good thing. The only danger is it might encourage over 貿易（する）ing if people are moving from 在庫／株s to T-法案s 定期的に. But 全体にわたる it’s an 利益／興味ing 革新.'?

Compare the best DIY 投資するing 壇・綱領・公約s and 在庫／株s & 株 Isas

投資するing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that 控訴s you.

When it comes to choosing a DIY 投資するing 壇・綱領・公約, 在庫／株s & 株 Isa or a general 投資するing account, the 範囲 of 選択s might seem 圧倒的な.?

Every provider has a わずかに different 申し込む／申し出ing, 非難する more or いっそう少なく for 貿易（する）ing or 持つ／拘留するing 株 and giving 接近 to a different 範囲 of 在庫／株s, 基金s and 投資信用s.?

When 重さを計るing up the 権利 one for you, it's important to to look at the service that it 申し込む／申し出s, along with 行政告発（する），告訴（する）／料金s and 取引，協定ing 料金s, 加える any other extra costs.

To help you compare the best 投資 accounts, we've crunched the facts and pulled together a 包括的な guide to choosing the best and cheapest 投資するing account for you.?

We 最高潮の場面 the main players in the （米）棚上げする／（英）提議する below but would advise doing your own 研究 and considering the points in our 十分な guide linked here.

>> This is Money's 十分な guide to the best 投資するing 壇・綱領・公約s and Isas?

壇・綱領・公約s featured below are 独立して selected by This is Money’s specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者（売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?

DIY INVESTING PLATFORMS AND STOCKS & SHARES ISAS?
	Admin 告発（する），告訴（する）／料金	告発（する），告訴（する）／料金s 公式文書，認めるs	基金取引，協定ing	基準株, 信用, ETF 取引，協定ing	正規の／正選手投資するing	（株主への）配当 reinvestment
AJ Bell*?	0.25%?	Max ￡3.50 per month for 株, 信用s, ETFs.?	￡1.50	￡5?	￡1.50	￡1.50 per 取引，協定?	More 詳細（に述べる）s
Bestinvest*	0.40% (0.2% for ready made 大臣の地位s)	Account 料金削減（する） to 0.2% for ready made 投資s	解放する／自由な	￡4.95	解放する／自由な for 基金s?	解放する／自由な f or income 基金s	More 詳細（に述べる）s
Charles Stanley Direct*	0.35%?	No 壇・綱領・公約料金 on 株 if a 貿易（する） in that month and 年次の max of ￡240	解放する／自由な	￡11.50	n/a	n/a	More 詳細（に述べる）s
Fidelity*	0.35% on 基金s	￡7.50 per month up to ￡25,000 or 0.35% with 正規の／正選手貯金計画（する）.?	解放する／自由な	￡7.50	解放する／自由な基金s ￡1.50 株, 信用s ETFs	￡1.50	More 詳細（に述べる）s
Hargreaves Lansdown*	0.45%	Capped at ￡45 for 株, 信用s, ETFs	解放する／自由な	￡11.95	￡1.50	1% (￡1 min, ￡10 max)	More 詳細（に述べる）s
Interactive 投資家*?	� �4.99 per month under ￡50k, ￡11.99 above, ￡10 extra for Sipp	自由貿易価値（がある）￡3.99 per month (does not 適用する to ￡4.99 計画（する）)	￡3.99	￡3.99	解放する／自由な	￡0.99	More 詳細（に述べる）s
iWeb	￡100 one-off 料金 (waived until July 2024)		￡5	￡5	n/a	2%, max ￡5	More 詳細（に述べる）s
?Accounts that have some 限界s but attractive 申し込む／申し出s						?	?
Etoro*??No 投資基金s or Sipp	解放する／自由な	投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.	Not 利用できる?	解放する／自由な?	n/a?	n/a?	More 詳細（に述べる）s?
貿易（する）ing 212*?	解放する／自由な?	投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.?	Not 利用できる?	解放する／自由な?	n/a?	解放する／自由な?	More 詳細（に述べる）s?
Freetrade* No 投資基金s	?Basic account 解放する／自由な,? 基準 with Isa ￡4.99, 加える￡9.99	Freetrade 加える with more 投資s and Sipp is ￡9.99/month inc. Isa 料金	No 基金s?	解放する／自由な?	n/a?	n/a?	More 詳細（に述べる）s?
先導??Only 先導's own 製品s	0.15%?	Only 先導基金s	解放する／自由な?	解放する／自由な only 先導 ETFs?	解放する／自由な?	n/a?	More 詳細（に述べる）s?
(Source: ThisisMoney.co.uk May 2024. Admin % 告発（する），告訴（する）／料金 may be 徴収するd 月毎の or 年４回の

Some links in this article may be (v)提携させる(n)支部，加入者 links. If you click on them we may earn a small （売買）手数料，委託（する）／委員会／権限. That helps us 基金 This Is Money, and keep it 解放する／自由な to use. We do not 令状 articles to 促進する製品s. We do not 許す any 商業の関係 to 影響する／感情 our 編集（者）の independence.

Comments 2

株 what you think

The comments below have not been 穏健なd.

The 見解（をとる）s 表明するd in the contents above are those of our 使用者s and do not やむを得ず反映する the 見解（をとる）s of MailOnline.

We are no longer 受託するing comments on this article.

More 最高の，を越す stories

POPULAR MONEY SECTIONS

< div class="app--nEPut ccox link-ccox linkro-darkred" data-track-module="llg-1001629^editors_choice">

CHECK YOUR INVESTMENTS

宣伝

投資するing Show

The 投資するing Show channel

DON'T MISS

HEATHER ROGERS ANSWERS YOUR TAX QUESTIONS

投資するing: don't 行方不明になる

宣伝

FUND JARGON BUSTER

The 投資産業's world of abbreviations...

Acc: Accumulation - any income 生成するd by the 基金 like （株主への）配当s or 利益／興味 is automatically reinvested.
Inc: Income - any income 生成するd is 分配するd by the 基金 instead of 存在 reinvested.
Dis: 配当 - any income 生成するd is 分配するd by the 基金 instead of 存在 reinvested.
R: 小売 - the 基金 is 目的（とする）d at ordinary 投資家s.
I/Inst: Institutional - the 基金 is 目的（とする）d at 法人組織の／企業の投資家s like 年金基金s.
A, B, M, X etc: Different 基金 houses use letters for different things. Check with them what they stand for.
NT/No 追跡する: Some 基金 houses use this 指名する on clean 基金s which carry no （売買）手数料，委託（する）／委員会／権限s for 財政上の助言者s, supermarkets or 仲買人s, just the 料金徴収するd by the 基金経営者／支配人. But other 基金 houses use different letters - I, D or Y, for example - so you need to find out for yourself which are clean 基金s.
Gr: Stands for 甚だしい／１２ダース.
GBP/£: 基金 denominated in 続けざまに猛撃するs.
EUR: 基金 denominated in euros.
USD/$: 基金 denominated in US dollars.