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National savings and investments

National Savings products are Government backed, and are used by the Government as a means of borrowing. Because they are Government backed, they are seen as one of the most secure forms of saving and investment. To make them more attractive, they offer certain tax concessions with upper limits on the amount that can be invested.

We list the main products offered below, but in some cases an individual product might not be available when you want to buy. National Savings offers other products in addition to the ones listed below.

Cash and Junior ISAs - tax efficient savings.

National Savings Income Bonds - pay income monthly at a variable rate of interest. The interest is taxable, but paid without deduction of tax.

Premium Bonds – a chance to win up to a million pounds, although numerous smaller prizes are also available in the monthly draw. All prizes are tax-free.

National Savings offer other products in addition to those listed. Products may be changed, withdrawn or altered at any time. Always consult your financial adviser before investing.

The value of investments can fall as well as rise and you may not get back the amount you originally invested. Past performance is not a guide to future performance.

Most National Savings and Investment products are not regulated by the Financial Conduct Authority.

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Pavis Financial Management Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No: 153871 http://www.fca.org.uk/register.

Pavis Financial Management Limited Registered Address: 4 St. Pauls Square, Liverpool, L3 9SJ. Registered in England & Wales, No. 02625986.

Neither Pavis Financial Management Limited nor its representatives can be held responsible for the accuracy of the contents/information contained within the linked site(s) accessible from this page.

The Financial Conduct Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments or school fees planning.

The value of investments and income from them can fluctuate, and investors might not get back the full amount invested. Past performance is not a guide to future performance. Equity based investments do not afford the same capital security that is afforded with a deposit account.

Should you have cause to complain, and you are not satisfied with our response to your complaint, you may be able to refer it to the Financial Ombudsman Service, which can be contacted as follows: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR www.financial-ombudsman.org.uk

The information contained within this site is subject to the UK regulatory regime and is therefore targeted primarily at consumers based in the UK.

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