National Savings and Investments
 
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Key features

When you invest in an NS&I GEB, you commit to:

  • a lump sum investment of between £1,000 and £1 million or
    £2 million jointly
  • investing your money for five years – you cannot cash in your Bond during this time, so make sure you have enough money set aside for emergencies

In turn, you will receive:

  • a potential return linked to the FTSE 100 index – up to a maximum of 50% (8.45% AER) at the end of the 5-year term
  • your original investment, together with any interest earned before the start of the investment term and any FTSE 100 index-linked return – unless you choose to reinvest the money
  • a guarantee that your capital will remain 100% secure, backed by HM Treasury

Risk factors

  • once the investment term starts, you cannot gain access to your money until the Bond matures
  • the FTSE 100 index measures share prices only, so you will not earn dividends from the individual companies listed
  • the averaging of the FTSE 100 index start and end levels is designed to smooth market fluctuations but it may reduce the return received
  • although your capital remains 100% secure, the FTSE 100 index can go up or down – so returns are not guaranteed. Any return you do receive could be less than you would earn in a simple deposit account
  • inflation may reduce the true value of your money over the 5-year term
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Benefits

  • No risk to your capital
  • Backed by HM Treasury

Investor’s guide

Security