The Unique World of Treasury-backed NS&I- RECAP

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:

• Tax considerations that arise with each NS&I product and how to manage them effectively for clients

• Client scenarios where NS&I’s guarantees and security offer unique advantages

• 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:

• A reimagined adviser engagement model

• Enhanced systems for client-adviser transparency

• 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.