Should An Post Saving Bonds be included in Best Buys? They are State guaranteed, DIRT free and offer 10% if left for the full three year term. Say €1,000 is invested. After one year it earns 2.2% tax free, so it is worth €1022, after two years it earns 5.2% tax free, so it is worth €1052, after three years it earns 10% tax free, so it is worth €1100. Money can be withdrawn anytime but important to note interest is added annually, not daily. Therefore, for example, if withdrawn within first year no interest is paid. I think it is the best three year term at the moment when the DIRT free status is taken into account.