The Unique World of Treasury-backed NS&I
When it comes to trusted savings institutions, National Savings and Investments (NS&I) continues to stand apart. Backed by the UK Treasury and offering a unique range of products, NS&I is considered by 82% of financial advisers to be the most trusted savings provider in the country. With adviser advocacy scores regularly exceeding 8 out of 10, it’s clear there’s strong engagement. Yet many advice firms tell us there’s still a great deal they want to understand about how to effectively use NS&I products in client portfolios.
In today’s economic landscape, cash can represent up to 20% of a client’s total portfolio. Whether it's for liquidity, capital preservation or mental comfort, understanding how to use NS&I effectively is essential. Despite its importance, Treasury-backed savings often get overshadowed by more frequently discussed asset types.
A recent webinar led by Madalina Limbert, Acting Head of Intermediary Relationships at NS&I, provided a wealth of insights for financial advisers seeking to deepen their knowledge in this area.
Understanding NS&I: What Advisers Need to Know
NS&I offers a range of Treasury-backed savings options with unique benefits and implications. Advisers learned how these products integrate with broader financial planning strategies, including:
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Tax considerations that arise with each NS&I product and how to manage them effectively for clients
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Client scenarios where NS&I’s guarantees and security offer unique advantages
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Integration with structures such as Trusts, SIPPs (Self-Invested Personal Pensions) and SSASs (Small Self-Administered Schemes).
This session helped advisers sharpen their planning strategies with deeper product knowledge and relevant applications across client types.
Premium Bonds: The Quirky Cornerstone of NS&I
Premium Bonds remain one of NS&I’s most recognised offerings. This session explored fascinating facts, historical insights and usage trends that advisers can use to engage clients and contextualise conversations around probability, safety, and long-term returns.
What’s Changing at NS&I: Transformation and Vision
NS&I is not standing still. Its multi-year transformation programme, new intermediary strategy and long-term vision are reshaping how financial advisers can interact with and benefit from NS&I.
Key developments include:
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A reimagined adviser engagement model
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Enhanced systems for client-adviser transparency
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Streamlined processes for integrating NS&I within financial plans
Understanding these changes equips advisers to proactively position NS&I solutions in their client conversations and stay ahead of policy or access shifts.
Why NS&I Matters in Today’s Financial Planning Conversations
As client needs evolve and regulatory scrutiny intensifies, NS&I products remain a stable and trusted component of the financial planning toolkit. Whether offering guaranteed capital security, inflation-linked returns, or planning benefits through trusts and pensions, Treasury-backed savings warrant deeper airtime.
Learn More Through Adviser 3.0
To stay ahead of key industry developments and deepen your expertise in client-focused planning, explore our ongoing series of Adviser 3.0 webinars and events. These sessions are designed exclusively for financial advisers, offering expert insights, practical strategies, and direct access to leaders shaping the future of advice. Visit Adviser 3.0 to find out what’s coming up next.