税金 罠（にかける） on new NS&I British 貯金 社債s when you 支払う／賃金 in just £7,700

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Savers who put just £7,705 into NS&I’s new British 貯金 社債s could be landed with a 税金 法案 in three years’ time, 予定 to the way the 社債s are structured. Higher 率 taxpayers will 支払う／賃金 税金 if they have just £3,852 in the new account.

The 保証（人）d Growth 社債s, which went on sale last week, lock your money away for three years and 支払う／賃金 a 率 of 4.15 per cent a year.

Although 利益／興味 is earned every year, NS&I has structured the 社債s so that it can only be 接近d at the end of the three-year 称する，呼ぶ／期間／用語. As a result, they are 税金d as if all of the 利益／興味 is earned in a 選び出す／独身 year, which leads to a greater 税金 法案.

Savers have a personal 貯金 allowance that 許すs basic 率 taxpayers to earn up to £1,000 in 利益／興味 each 税金 year without 支払う／賃金ing 税金. Higher 率 taxpayers can earn up to £500 and 付加 率 taxpayers have no allowance.

New 申し込む／申し出ing: NS&I's 保証（人）d Growth 社債s, which went on sale last week, lock your money away for three years and 支払う／賃金 a 率 of 4.15% a year

Any 利益／興味 earned above those allowances attracts 所得税 at savers’ ごくわずかの 税金 率.

If a saver puts £10,000 into one of the 社債s, they would receive £415 in 利益／興味 in the first year, £432 in the second and £450 in the third year.?

The 利益／興味 earned 増加するs every year because 利益／興味 from previous years is 追加するd to the 資本／首都 and 利益s from 構内／化合物ing.

If the 利益／興味 paid out every year, each 利益／興味 支払い（額） would 利益 from that year’s personal 貯金 allowance.

But because 利益／興味 is only paid at the end of the 称する，呼ぶ／期間／用語, HMRC 税金s all three years’ 価値（がある） of 利益／興味 ? £1,297 ? at once.

A basic-率 taxpayer would 背負い込む a £60 税金 法案 on the £297 that 越えるd their allowance. If the 利益／興味 was paid out 毎年, there would be no 法案 to 支払う／賃金.

NS&I says it structures the 社債s in this way so that 顧客s get the 利益 of 構内／化合物 利益／興味, which they would not if the 利益／興味 was paid out every year.

Savers putting their money into NS&I’s new British 貯金 社債s could take advantage of a simple trick to 削除する the 税金 法案 on their 利益／興味.

Catch: NS&I has structured the 社債s so that it can only be 接近d at the end of the three-year 称する，呼ぶ／期間／用語

Instead of the 保証（人）d Growth 社債, savers could 選ぶ for the 保証（人）d Income 社債, which 支払う／賃金s a lower 年次の 率 of 4. 07 per cent, but 支払う／賃金s 利益／興味 月毎の.

Several 競争相手 providers 申し込む／申し出 better 取引，協定s. Oxbury and Hodge banks 支払う／賃金 4.66 per cent on their three-year 直す／買収する，八百長をするd-率 社債s, while at の近くに Brothers, RCI Bank and Hampshire 信用 the 率 is 4.65 per cent.

These better 率s mean you are 行方不明の out on up to £164 利益／興味 a year on each £10,000 by sticking with NS&I.

Money Mail is （選挙などの）運動をするing for the personal 貯金 allowance to be 二塁打d from £1,000 to £2,000 so that savers who have prudently saved nest eggs no longer 直面する 税金 法案s on their 利益／興味.

An 概算の 2.7 million savers were 攻撃する，衝突する with a 税金 法案 on their 利益／興味 for the first time in the last 税金 year ? up by one million on the previous year.