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Fixed rate bond race is on as deals become fully subscribed

16 November 2009 / by Rebecca Sargent

Savers looking for fixed rate bonds need to act fast as the average bond shelf-life fell to a new low last month, has claimed.

According to the financial information providers, the average shelf-life of a fixed rate bond was just 23 days last month, compared to March 2006 when the figure stood at 158 days.

Commenting, Michelle Slade, spokesperson for said: "The demand for fixed rate investments continues to increase as savers look to maximise returns.

"Such high demand means that bonds are being fully subscribed quickly, causing providers to pull many of the most competitive deals and replace them with new issues."

According to further research by, 34 per cent of all savings internet searches are for fixed rate bonds, and the average amount invested now stands at £40,076.

And, as the maximum available interest rates on fixed rate bonds have fallen from 6.70 per cent to 3.95 per cent over the last year, savers are advised: "If you want to secure the best deal, then act fast."

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ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years


per annum

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Structured investment plan with the potential to mature after years 1, 2, 3, 4, 5 or 6. If the plan matures early it will return 9.8% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
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Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.