When it comes to growing your savings and securing your financial future, having access to the right investment opportunities is key. Whether you’re looking for flexible deposit options, income-generating bonds, or capital-protected investments, understanding your choices is essential to making informed financial decisions. In this update, we explore three distinct investment options currently available—each offering unique benefits depending on your savings goals and risk appetite. From HSBC’s competitive 7 Day Notice Deposit to structured bonds designed for steady returns, we break down the details to help you decide what’s right for you.

 

3 Year Fixed Deposit – 2% AER

Deposit rates are falling. You can lock in this interest rate on your savings for 3 years with BNP Paribas. This deposit account will pay out 2% interest at the end of Years 1, 2 & 3 (August each year). BNP have the right but not the obligation, to redeem the deposit in whole or in part, at the end of year 2. This would result in interest only being paid for the first two years, and not the 3rd.

While some Irish banks are offering these rates for shorter terms (6-18 months), it is unlikely that when those deposits are redeemed the new rate offered will be as high. So this is an opportunity to lock in an interest rate for 3 years for money you will be keeping on deposit for that length of time.

5 Year Fixed Deposit – 2.55% AER

Deposit rates are falling. You can lock in this interest rate on your savings for 5 years with Nat West. This deposit account will pay out 2.55% interest at the end of Years 1 – 5 (August each year). Nat West have the right but not the obligation, to redeem the deposit in whole or in part, at the end of year 3. This would result in interest only being paid for the first three years, and not years 4 & 5.

While some Irish banks are offering these rates for shorter terms (6-18 months), it is unlikely that when those deposits are redeemed the new rate offered will be as high. So this is an opportunity to lock in an interest rate for 3 years for money you will be keeping on deposit for that length of time.

Target Coupon Bond 17

This is a defensive bond, designed to weather volatile markets whilst offering the potential for 6% interest per annum. The investment capital is fully protected where the underlying index is not more than 50% below its initial level. If the index is at 85% or more of the initial level on the annual anniversary of the bond each year, a coupon of 6% will be paid. Any missed coupons will become payable once the index is at or above 65% of its initial level on subsequent observation dates .

The bond will run for a maximum of 10 years, but will mature early, with the capital returned and any coupons due, if the index is at or above 85% of its initial level, on the 3rd anniversary of the bond, or any subsequent anniversaries. The underlying index is the Morningstar US 500 Eurozone 50

100% Protected 4 Year Dual Index Bond 2

This is a 4 Year Fixed Term Bond, which will pay out 15% on the  anniversary of the bond (4years), provided the underlying indexes are at or above their initial level on the investment date. The indexes are the S&P 500 & Eurostoxx 50. This is a 100% capital guaranteed at maturity, meaning that if the level if the indexes have fallen at maturity, you still receive 100% of your capital back. The capital guarantee is provided by Goldman Sachs.

100% Protected Pan European Bond 9

This is a 5 Year Fixed Term Bond, providing access to the Eurostoxx 600 index, while providing 100% capital guarantee. The bond will pay out 100% of any index growth on the 5th anniversary of the bond, to a maximum. of 26.45%. This is a 100% capital guaranteed at maturity, meaning that if the level if the indexes have fallen at maturity, you still receive 100% of your capital back. The capital guarantee is provided by Goldman Sachs.

Here to help you save for today, tomorrow and for the unexpected.

At Lynx Financial Services, our team of experienced financial advisors are dedicated to helping you achieve your financial goals. We understand that everyone’s circumstances are unique, and we take a personalised approach to financial planning. 

We’ll work with you to assess your needs, risk tolerance, and investment goals, and develop a tailored plan to secure your financial future. Let us help you navigate the complexities of financial planning and make informed decisions about your retirement income. No jargon, no hidden fees, just plain talking, strategic financial advice.

Warning: If you invest in these products you may lose some or all of the money you invest.
Warning: Past performance is not a reliable guide to future performance.
Warning: The value of your investment may go down as well as up.
Warning: Benefits may be affected by changes in currency exchange rates.