開設多個定期儲蓄帳戶真的可以賺取額外利息嗎？

任何可以榨取一點額外興趣的事情總是值得考慮的，儘管有時付出的努力可能不值得

If you have a question for our experts, email us at money@inews.co.uk

如果您對我們的專家有疑問，請發送電子郵件至 Money@inews.co.uk

A reader asks Anna Bowes, co-founder of Savings Champion, about the best way to maximise interest on savings accounts.

一位讀者向 Savings Champion 聯合創始人 Anna Bowes 詢問最大化儲蓄帳戶利息的最佳方法。

I know savings account interest isn’t quite as high as it was last year, but it seems you can still get very high returns on regular savers.

我知道儲蓄帳戶利息不像去年那麼高，但似乎您仍然可以從定期儲蓄者那裡獲得非常高的回報。

The catch of course is you can’t put much money in them. Is it worth opening several different ones of these and then slowly transferring cash to them? How much extra interest could I make doing this?

當然，問題是你不能在其中投入太多錢。是否值得開設其中幾個不同的帳戶，然後慢慢地將現金轉給它們？這樣做我能獲得多少額外的興趣？

Anything that can squeeze a little extra interest is always a good thing to consider, although sometimes the effort may not be worth it.

任何可以擠出一點額外興趣的事情總是值得考慮的好事情，儘管有時付出的努力可能不值得。

Some of the top regular savings accounts are only available to those that open or switch their current account to that provider, so it may not be ideal for some.

一些頂級常規儲蓄帳戶僅適用於那些開設或將其往來帳戶切換到該提供者的人，因此對於某些人來說可能並不理想。

But these accounts can be great for people saving towards a short-term goal like a holiday or wedding, and they will also help you get into the habit of saving regularly.

但這些帳戶對於人們為假期或婚禮等短期目標進行儲蓄非常有用，它們還將幫助您養成定期儲蓄的習慣。

And can help you to earn a few extra pounds,

並且可以幫助你多賺幾英鎊，

But you cannot look at the interest rate alone because the headline rate is not always what it appears to be. As the name suggests, a regular savings account requires you to commit to putting aside a regular amount of money each month.

但你不能只看利率，因為整體利率並不總是看起來的樣子。顧名思義，定期儲蓄帳戶要求您承諾每月存入固定金額的資金。

In return for this regular payment to your savings provider each month, the rates on offer typically look significantly better than those available elsewhere.

作為每月定期向您的儲蓄提供者付款的回報，所提供的利率通常看起來比其他地方的利率要好得多。

For example, Co-op Bank and First Direct are both offering regular savings accounts paying 7 per cent AER, however these headline grabbing rates aren’t all they seem.

例如，Co-op Bank 和 First Direct 都提供定期儲蓄帳戶，利率為 7% AER，但這些引人注目的利率並不像看起來的那樣。

Let’s take the Co-op’s offering. You can put up to £250 a month in the Regular Saver Issue 1, which means over the year you can save up to £3,000 in this account.

讓我們來看看合作社的產品吧。您每月最多可以在常規儲蓄第 1 期存入 250 英鎊，這意味著一年中您最多可以在此帳戶中節省 3,000 英鎊。

At this stage, you might be thinking that means bagging £210 in interest over the year, after all you are getting 7% AER. But, if this is what you are thinking, you will be very disappointed.

在這個階段，您可能會認為這意味著全年可賺取 210 英鎊的利息，畢竟您獲得了 7% 的 AER。但是，如果這是你的想法，你會非常失望。

Why? You only have £3,000 in the account for the last month; it took a year to build up to that amount. You only earn interest on money in the account. So, after the first month you would earn the 7 per cent on just £250, half way through the year you would earn it on around £1,500 and so on.

為什麼？上個月您的帳戶裡只有 3,000 英鎊；達到這個金額花了一年的時間。您只賺取帳戶資金的利息。因此，第一個月之後，您只需 250 英鎊即可賺取 7% 的利息，到了半年，您將獲得約 1,500 英鎊，依此類推。

In real terms on this Co-op account, if you deposit £250 a month for 12 months, you would receive £114.21 after a year, substantially less than you might have expected but still a good return in today’s market. And if you had a lump sum that you were drawing from, you could earn an extra £79.63, if you were to earn 4.9% on this diminishing £3,000 lump sum.

就這個合作社帳戶而言，如果您每月存入250 英鎊，持續12 個月，那麼一年後您將收到114.21 英鎊，大大低於您的預期，但在當今市場上仍然是一個不錯的回報。如果你有一筆一次性付款，你可以額外賺取 79.63 英鎊，如果你在這筆逐漸減少的 3,000 英鎊一次性付款中賺取 4.9% 的話。

But if you simply had £3,000 deposited in a 1-year fixed rate bond paying 5.22 per cent you would earn interest of £154.50 – so around £10 less but also with less hassle!

但如果您只是將 3,000 英鎊存入 1 年期固定利率債券，利率為 5.22%，您將獲得 154.50 英鎊的利息 – 大約少了 10 英鎊，但麻煩也更少！

So, in summary we are not saying you should avoid these accounts, but just be aware that headline rates can be misleading and you need to be engaged and inventive to really make the most of them.

因此，總而言之，我們並不是說您應該避免使用這些帳戶，而是要注意，整體利率可能會產生誤導，您需要積極參與並發揮創造力，才能真正充分利用它們。