I have €25,000 savings : Which would give the better return (a) NTMA 5.5 year Savings Cert or 4 year National Solidarity Bond - pro rata ?
(I guess it's apples and oranges due to the 18 month difference ! )
5.5 year Savings Certs give a return of 1.75% per annum compared to 1.47% per annum for the 4 year Solidarity Bond, both tax free. You will definitely get a better return from the Saving Certs if you are willing to commit to the extra 18 months.