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NS&I RPI Tracker
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Thanks Wriggly, didn't realise each year's gains are locked in. Not the easiest type of investment to get your head around but glad I went for it last year.Yes, on each anniversary, any gains are locked-in, so you cannot lose that year's gain. So the OP will have a 5.65% gain for this year, even if they hold for the full 3 years. Of course, they may not get that rate for the remaining 2 years. After 1 year, you could consider whether RPI + 1% (technically, RPI + the average of the remaining years' rates) is better than what else is available.
Hint: RPI + 1% tax-free and fully guaranteed by the government is hard to beat.0
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