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Frequently asked questions

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

  • Can NS&I Investment Guaranteed Growth Bonds be held in a SIPP or SSAS?

    The Investment Guaranteed Growth Bonds can only be held in the sole name of an individual of at least 16 years of age or jointly with one other individual of at least 16 years of age.

  • Can NS&I Investment Guaranteed Growth Bonds be held in a Trust?

    The Investment Guaranteed Growth Bonds can only be held in the sole name of an individual of at least 16 years of age or jointly with one other individual of at least 16 years of age.

  • Can Premium Bonds be held in a SIPP or SSAS?

    No. Premium Bonds were designed as a tax-free product and the maximum holding limit gives individuals the opportunity to have a potential tax-free return by way of the prize draw. The Premium Savings Bond Regulations do not allow for Premium Bonds to be invested in trust as the investment was created for individuals to invest in. Only solely named individuals can invest in Premium Bonds - the regulations do not allow joint investors or any organisation, whether incorporated or unincorporated, to invest in Premium Bonds as this would go against the intention of the investment.

  • Can Premium Bonds be held in a Trust?

    No. Premium Bonds were designed as a tax-free product and the maximum holding limit gives individuals the opportunity to have a potential tax-free return by way of the prize draw. The Premium Savings Bond Regulations do not allow for Premium Bonds to be invested in trust as the investment was created for individuals to invest in. Only solely named individuals can invest in Premium Bonds - the regulations do not allow joint investors or any organisation, whether incorporated or unincorporated, to invest in Premium Bonds as this would go against the intention of the investment.

  • Can SIPP providers have access to the online service?

    No, currently SIPP providers cannot use the service. This is the first iteration of this service and we will look to enhance it further as we go forwards. As part of this ongoing review, we will review the access given to SIPP providers.

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