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Adviser Centre

Frequently asked questions

In this section you’ll find the answers to the most frequent questions asked by advisers about NS&I

  • Why should financial advisers recommend NS&I products to their clients?

    Cash is widely regarded as the solid base which underpins a successful investment structure. A healthy proportion of your client’s money in cash based products helps deliver consistent returns and offsets the effects of market volatility, particularly in the short to medium term. Cash deposit products also often offer liquidity in a portfolio, as customers usually have easier access to their money than other asset types.

    NS&I offers a range of products – some of which are tax-free - which are designed to be the foundation of an investment portfolio. All of our savings and investments are backed by HM Treasury, which makes them 100% secure. That’s complete security and peace of mind for your clients, for all their money, even above the Financial Services Compensation Scheme (FSCS) limit.

    NS&I has been a trusted provider of savings and investment products for over 150 years, and advisers tell us that when recommending NS&I to their clients, the peace of mind provided by our security and our link to Government is so positively viewed by clients that it helps engender trust in the adviser themselves.

  • Will NS&I ever offer a stocks and shares ISA instead of just a cash ISA?

    We consider this unlikely at this time given our unique 100% security guarantee. However we keep our range of products under constant review to ensure they meet the needs of savers.

  • Will NS&I offer a Lifetime ISA?

    We don’t currently have any plans to offer a Lifetime ISA, but we keep our range of products under constant review to ensure they meet the needs of savers.

  • Will NS&I offer the new Lifetime ISA?

    We keep our product range under constant review to ensure they meet the needs of savers and will be reviewing the plans for the Lifetime ISA over the coming months.

  • Will the change from RPI to CPI on Index-linked Savings Certificates affect my clients’ existing Certificates?

    No, it won’t affect any existing Certificates your clients have until the end of the investment term. However, if your clients decide to renew any Certificates that mature on or after 1 May 2019, the index-linking on the renewed investments will then be calculated using CPI not RPI.

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