Is a Savings Bond Return worth it for a DIRT free saver

P

pudds

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I have a bond maturing next month of which I could possible reinvest about 5-8k but is it worth it for someone like me as I have no liability to dirt tax.

Current issue gives 2.5% over the 3yrs.

€1000 invested only returns, €25

All ready have a Regular Saver with NW

Any similar or slightly better options around at present.

I'm too old for this game anymore, it's getting beyond me:D but need to make
every red cent count.
 
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I think Rabo's instant access account look like a pretty good deal in the current environment for that kind of sum.

No connection but I find Rabo's online platform really easy to navigate.
 
Savings bonds are a wash out in my case, might run with Rabo as I all ready have an unused a/c with them and which has the dirt exemption on it.

cheers for that.
 
Absolute no brainer if you are DIRT exempt. A Rabo notice account pays way more than the Savings Bond (1.45% vs. 0.83% AER).
 
True, but you're not guaranteed to earn 1.45% throughout the 90 day notice period (which is why I personally think a sight deposit at a rate of 1.25% is actually a better (risk adjusted) deal). For that kind of sum I really don't see the point in taking any interest risk.
 
Very soon all the financial institutions in Ireland will be giving Zero% for deposits, or even charging you to put money on deposit.
 
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