I'm a 貯金 専門家 and here's why I believe NS&I will have to 上げる 賞与金 社債 prizes?

• e-mail

I have a feeling that 国家の 貯金 and 投資s (NS&I) is either going to have to 増加する its 賞与金 社債 prize 率 or 開始する，打ち上げる an enticing new 製品 this year to attract savers' cash.

That's because it has 明らかにする／漏らすd 詳細（に述べる）s of its new British 貯金 社債, 発表するd with much ファンファーレ／誇示 in the spring 予算.?

And it turns out to be a damp squib ― nothing more than another three-year 社債 with a mediocre 率.

As I 予報するd, the 保証（人）d Growth 社債s and 保証（人）d Income 社債s went on sale in the first week of April with a 率 of 4.15 per cent a year, or 4.07 per cent if you want your 利益／興味 paid each month.

産業 insiders tell me NS&I could 直面する difficulty in encouraging savers into these new 社債s.

Best 販売人: NS&I's new British 貯金 社債 is nothing more than another three-year 社債 with a mediocre 率, so will it now 申し込む／申し出 better prize 率 on 賞与金 社債s?

For a start, three-year 社債s tend to be 人気がない. Almost all savers prefer 平易な-接近 accounts or one-year 社債s.?

For example, three-year 取引，協定s （不足などを）補う a mere half a per cent of money going into Hargreaves Lansdown's 貯金 壇・綱領・公約 because savers want 平易な 接近 and shorter 称する，呼ぶ／期間／用語 社債s.

If savers don't snap up these British 貯金 社債s, NS&I will have to do something else to attract us to its 製品s.?

That's why I think more prizes for 賞与金 社債 支えるもの／所有者s, its best-販売人, could be on the cards. Let's hope it also does more for Isa savers, too. All NS&I 申し込む／申し出s is its 平易な-接近 Direct Isa at a lousy 3 per cent.

The 政府-支援するd bank has a lot of work to do when it comes to attracting savers.

The 財務省 wants it to bring in £9 billion (in a 範囲 of £5 billion to £13 billion) of new money in its 現在の 財政上の year. It also needs to 持つ／拘留する on to the money 現在／一般に in its popular one-year 社債, which comes up for 成熟 later this year.

If NS&I doesn't come up with a 競争の激しい 交替／補充, that money could 飛行機で行く out of the door, leaving NS&I short of its 的.

Although the 率s on the British 社債s are poorer than others in the market, I still think some savers will be tempted. That's because you can put in between £500 to £1 million and all of it is 保証（人）d by the 政府.

This makes the 社債s popular with 豊富な savers, as banks and building societies cover a lower £85,000 of savers' cash as part of the 財政上の Services 補償（金） 計画／陰謀 (FSCS), so you can put all your money with NS&I instead of having to spread it around 非常に／多数の providers and keep tabs on several accounts.

But, if you do go for the British 貯金 社債s, watch out for 税金. The way they are structured means you do not need to have much saved before you 危険 incurring a 税金 法案.

柔軟な Isa 支配するs will help savers?

The new 税金 year arrived last Saturday, giving us a new Isa allowance.

You can put another £20,000 into cash Isa 貯金 accounts and all your 利益／興味 will automatically be 税金 解放する／自由な.

You have until April 5 next year to use this allowance.

New 支配するs, which （機の）カム into 影響 on April 6, mean that you can now open more than one cash Isa in a 税金 year. This 許すs you to 分裂（する） your money between 直す／買収する，八百長をするd-率 Isas and 平易な-接近 ones ― as long as your provider lets you.

It means that if you open an Isa now with part of your allowance, you can then open another one later in the year.

The onus is still on you to make sure you don't put more than £20,000 into Isas during the 税金 year.

Sy.morris@dailymail.co.uk?