Three decades of NS&I inflation-proof savings

clock

Sales of index-linked savings certificates issued by National Savings & Investments have been going for thirty years today.

About £8.7bn is currently invested by some 600,000 people in the three and five-year product, which has seen its maximum investment rise from £500 in 1975 to £15,000 today. That original sum invested would be worth £4,781 today cmopared with £2,565 from a typical savings account, NS&I says. Current five-year certificates pay RPI+1.05%, or 4.25%, while the three-year ones pay RPI+0.95%, or 4.15%. NS&I says the cost of the typical shopping basket has gone up by 530% in the past 30 years. Then the ingredients of a family breakfast would leave change from a pound, wheras today it would co...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Investment

Darius McDermott: Defence in a fragmented world

Darius McDermott: Defence in a fragmented world

'It is clear that the world has changed and government spending is being redeployed'

Darius McDermott
clock 01 May 2026 • 4 min read
Canaccord Wealth launches crypto exposure offering to high-net-worth clients

Canaccord Wealth launches crypto exposure offering to high-net-worth clients

For risk profile 7+ portfolios

clock 29 April 2026 • 1 min read
RBC Brewin Dolphin adds to Voyager range with passive funds

RBC Brewin Dolphin adds to Voyager range with passive funds

With six risk options

Patrick Brusnahan
clock 27 April 2026 • 1 min read