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Special Report on

National Savings Index-Linked Certificates

national savings index linked certificates special research report Photo by i.telegraph.co.uk
The stock market ended last week little changed at Dow 10,136 (10,193), which belied the drama seen during the week that included a Tuesday nose dive into the forecast target zone for a low of between 9,800 and 9,850 before bouncing back all the way into Thursdays closing peak of 10,264. Fridays session sought to correct this 450 point rally with a sharp drop in the last 15 minutes of trading from 10,200, which suggests follow through to the downside early week. The overall trend remains in line with the last in-depth analysis and forecast - (16 May 2010 - Stocks Bull Market Hits Eurozone Debt Crisis Brick Wall, Forecast Into ...
with net taxes and National Insurance contributions standing at 36.9 per cent of GDP—approximately £606,661,000,000 (using 2008 nominal GDP measured in dollars, and converting using 2009 conversion rate).
REVIEWS AND OPINIONS
Which4U – Finance Blog » Blog Archive » How to protect your ...
With interest rates at their lowest level on record, it’s not easy to find any half decent savings deals on the savings market, and savers are finding it tough to get any modest returns. Higher-rate tax payers have been hit hard as a result of the National Savings and Investment’s withdrawing its tax-free index-linked certificates, as it was previously offering the equivalent taxable gross return of 10% providing that the current Retail Prices Index (RPI) rate stayed at 5%, giving savers more than double the returns that any standard savings accounts can offer. An NS&I spokesman recently made an appearance on BBC ... market research, surveys and trends
National savings certificates withdrawn from sale
The Government sets a target for how much money the state-owned lender can issue as certificates to avoid ‘crowding out’ the private sector. After all, the 100% security that NS&I offers due to its Government-backing is impossible for High Street banks to compete with. According to NS&I, its fixed term, tax-free savings certificates had become too popular, and demand was outstripping the permitted supply. The official press release on the certificate withdrawal states: NS&I today announced that its Savings Certificates (both Fixed Interest Savings Certificates and Index–linked Savings Certificates, also known as ... market research, surveys and trends

SURVEY RESULTS FOR
NATIONAL SAVINGS INDEX-LINKED CERTIFICATES

Bearwatch: Is now a good time to invest?
I've just been asked by a client whether he should switch from cash to equities. Here's my view, and it may explain why I haven't earned much from investments over the last few years: It is not possible to predict the market with any accuracy, but I think I have done well in foretelling the current state of affairs as early as the late 1990s. The market has dropped to half its 1999 peak (again, as it did in 2003), but that is not to say we are now at the bottom. Some (and I am moderately persuaded to this view) think that there may be a "bear market rally" soon-ish - maybe a rise that recovers perhaps ... industry trends, business articles and survey research
Bank of Baroda tops best-buy savings tables | Money | The Guardian
Most Brits have probably never heard of it, but Bank of Baroda has this week set its sights on becoming a leading player in the UK savings market. The bank, India's third-largest with 36 million customers across the globe, has launched a range of best-buy fixed-rate savings accounts paying up to 4.9%. A cash Isa is to follow in the coming months. Its move came on the day National Savings & Investments withdrew its popular index-linked savings certificates from sale, following a flood of applications from savers desperate to safeguard their cash from inflation. Bank of Baroda's arrival in the mainstream savings market ... industry trends, business articles and survey research
RELATED NEWS
Inflation-beating bonds axed by National Savings
Savers received further bad news this week as National Savings & Investments (NS&I) closed its popular inflation-beating certificates to new customers, and cut interest rates on a number of other accounts. The withdrawal of the index-linked savings certificates by the government deposit-taker follows strong inflows from savers this year as the retail prices index (RPI) has risen to 5 per cent. And it removes one of the few remaining ways that savers can earn a real return on cash, as even the highest-paying instant accounts now offer less than 3 per cent. The NS&I certificates, which were available with three- or five-year ... market trends, news research and surveys resources
Nearly all savings accounts pay interest rates below RPI inflation
With interest rates at a record low and some of the more generous savings deals having been pulled from the market, savers are finding it tough to get decent returns on their funds. National Savings and Investment's withdrawal of its tax-free index-linked certificates is very bad news for higher-rate taxpayers because, if the current Retail Prices Index (RPI) rate of 5% is maintained, it offered an equivalent taxable gross return of 10%. It will be no surprise to anyone who has even glanced at a best buy table that a 10% rate vastly outstrips anything currently available from other deposit based savings accounts. ... market trends, news research and surveys resources

INFORMATION RESOURCES

National Savings - Introduction
National Savings index-linked certificates. There are also two terms for index- linked certificates, although following a change in June 2003, ... technology research, surveys study and trend statistics
Dictionary of Bank Terms and Phrases, H-Z
Used to indicate that a certain amount of a customer's balance may not be withdrawn until an item has been collected, or until a specific check or debit is posted. Home Equity Line of Credit (HELOC): A line of credit secured by the equity in a consumer's home. It can be used for home improvements, debt consolidation, and other major purchases. Interest paid on the loan is generally tax deductible (consult a tax advisor to be sure). The funds may be accessed by writing checks against the line of credit or by getting a cash advance. Home Equity Loan: A home equity loan allows you to tap into your home's built-up ... technology research, surveys study and trend statistics
THE BRITISH INDEX-LINKED GILT MARKET A FINANCIAL ANALYSIS by CHAO ...
Nov 25, 2008 ... They are called gilt-edged because the edges of the certificates are gilt ..... national output. His argument is based on the assumption that indexed ..... with £100.28 on the index-linked gilt, or £18.09 net savings in ...
REAL TIME
NATIONAL SAVINGS INDEX-LINKED CERTIFICATES
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