Fixed Rate Savings Commentary

Latest fixed rate bond rates

James Caldwell / 17 May 2012

For those looking to get a better deal from their cash and who are prepared to tie up capital for a set term, savers should give fixed rate savings bonds a closer look. Fixed rate bond deals are cha... Read more

Inflation linked or fixed rate savings

Oliver Roylance-Smith / 12 December 2011

To help savers find a solution to rising inflation and low interest rates, Oliver Roylance-Smith, head of savings and investment at Fair Investment, weighs up the pros and cons of inflation lin... Read more

Savings map shows higher savings plans for many in 2011

Paul Dicken / 15 January 2011

Many savers are more ambitious about their savings plans in 2011 after a difficult 2010, a map of British saving habits produced by HSBC shows. The data compiled by HSBC shows Britons struggled to i... Read more

Fixed Rate Income Bonds

Compare Fixed Rate Bonds for Monthly Income

Fixed income bonds can really help to boost your monthly income, making your savings work harder so you don’t have to. You can use the table below to compare fixed, income bonds to make sure you get the best deal:

Fixed Rate Bond Selection

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Rate Bond	4.26%	5 Years	Apply Now >
Earn 4.26% gross/AER fixed for 5 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account No withdrawals allowed Bond designed to be held for full term Must be UK resident and over 18
	3 Year Online Bond	3.72%	3 Years	Apply Now >
Earn 3.72% gross/AER fixed for 3 years Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over
	2 Year Online Bond	3.63%	2 Years	Apply Now >
Earn 3.63% gross/AER fixed for 2 years Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over
	1 Year Online Bond	3.27%	1 Year	Apply Now >
Earn 3.27% gross/AER fixed for 1 year Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over

Alternatives to Fixed Rate Bonds

Provider	Plan	Deposit Taker	Potential Return	Term	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	17.25%	3 years	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Deposit Kick Out	Royal Bank of Scotland plc	9.50% per annum	Up to 6 years	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	Income Deposit Plan	Royal Bank of Scotland plc	7.00% per annum	6 Years	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	6.00% per annum	Up to 5 years	More Info >
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Deposit Growth Plan	Investec Bank plc	No limit	5 years	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Bond	Cater Allen	50%	6 years	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Enhanced Growth Plan	Santander UK plc	40%	6 years	More Info >
6 year structured deposit plan Capital protected 4 x any rise in the FTSE 100 capped at 40% Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Annual Locked-In Return Plan	Santander UK plc	39%	6 years	More Info >
6 year structured deposit plan Capital protected 6.5% potential annual return Available for Cash ISAs & Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

These are structured deposit plans and are capital protected. There is a risk that the company backing the plans or any company associated with the plans may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) , depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plans are not held for the full term.

If you are at all unsure of the suitability of these types of investments, both in respect of their objectives and risk profiles, you should seek independent financial advice.

Investing your cash in fixed rate income bonds means they are safe and secure, unaffected by fluctuations in the stock market or in the Bank of England base rate. Advantages of fixed income bonds include:

Get interest from your fixed rate bond monthly to boost your income
The rate is fixed no matter what happens to the stock market or base rate
Your returns are guaranteed because the rate is fixed for an agreed term
You can choose how long you want to lock your cash away
Fixed rate income bonds usually offer better rates than standard savings accounts

It is important to compare fixed rate income bonds to make sure you get the best deal for your requirements, as there are a lot of deals to choose from. We make it easy to see what the best fixed rate income bonds are with our simple comparison table.