Small Change

Getting the most bang for your buck, interest-wise

Pop into banks to check promotional rates, and have a spreadsheet to keep track of funds

I don't expect stratospheric returns from the banks but I've always had a beef with the low interest rates paid on fixed deposits

All I want is peace of mind that my money is safe and gives a decent enough return but over the years the norm has been rates of as low as 0.1 per cent, 0.2 per cent or 0.3 per cent.

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A version of this article appeared in the print edition of The Sunday Times on May 27, 2018, with the headline 'Getting the most bang for your buck, interest-wise'. Print Edition | Subscribe