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National Savings and Investments (NS&I), formerly called the Post Office Savings Bank and National Savings, is a state-owned savings bank in the United Kingdom. It is both a non-ministerial government department [2] and an executive agency of HM Treasury. [3]
Index-linked Savings Certificates are free from UK income tax making them relatively attractive to tax-payers, particularly higher rate tax-payers. They are backed by the Treasury of the UK Government so are considered to be safe deposits.
The government pays interest into the bond fund (4.15% per annum in December 2024 but decreasing to 4% in January 2025) [1] from which a monthly lottery distributes tax-free prizes to bondholders whose numbers are selected randomly.
The Financial Services Compensation Scheme (FSCS) is the UK's statutory compensation scheme for customers of UK authorised financial services firms. This means it can step in to pay compensation if a firm is unable, or likely to be unable, to pay claims against it.
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After several years dealing with various health issues and declining physical ability, particularly being diagnosed with melanoma that metastasized to his brain and liver, [3] the Carter Center announced on February 18, 2023, that Carter was staying at home to "receive hospice care instead of additional medical intervention". [4]
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