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State Savings Certs V Bonds

ytpe2r5bxkn0c1 · 2017-07-30 19:05:02

Pure curiosity. I have dozens of State Savings/NTMA certificates, bonds, and national solidarity bonds. As I accrued then over many decades, a few come up for cash in or renewal every year. So far, as I'm not in need of the funds, I usually just renew them. In light of the low interest rates at the moment I was just…

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30-07-2017 8:05pm

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ytpe2r5bxkn0c1

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Pure curiosity. I have dozens of State Savings/NTMA certificates, bonds, and national solidarity bonds. As I accrued then over many decades, a few come up for cash in or renewal every year. So far, as I'm not in need of the funds, I usually just renew them. In light of the low interest rates at the moment I was just wondering if the feeling would be to lock in at the longest term with the better aer or go for the shorter term lower aer on the assumption that they could be renewed in 3 years at, perhaps, a higher rate by then. Certificates v Bonds, in other words.

I'm not that bothered, as there are really just my rainy day funds but thought I'd throw it out there for opinions.

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