通过开设多个定期储蓄账户真的可以赚取额外利息吗？

任何可以榨取一点额外兴趣的事情总是值得考虑的，尽管有时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

如果您对我们的专家有疑问，请发送电子邮件至 Money@inews.co.uk

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

一位读者向 Savings Champion 联合创始人 Anna Bowes 询问最大化储蓄账户利息的最佳方法。

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.

我知道储蓄账户利息不像去年那么高，但似乎您仍然可以从定期储蓄者那里获得非常高的回报。

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?

当然，问题是你不能在其中投入太多钱。是否值得开设其中几个不同的账户，然后慢慢地将现金转给它们？这样做我能获得多少额外的兴趣？

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

任何可以榨取一点额外兴趣的事情总是值得考虑的，尽管有时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.

一些顶级常规储蓄账户仅适用于那些开设或将其往来账户切换到该提供商的人，因此对于某些人来说可能并不理想。

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.

但这些账户对于人们为假期或婚礼等短期目标进行储蓄非常有用，它们还将帮助您养成定期储蓄的习惯。

And can help you to earn a few extra pounds,

并且可以帮助你多赚几英镑，

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，因为总体利率并不总是看起来的样子。顾名思义，定期储蓄账户要求您承诺每月存入固定金额的资金。

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

作为每月定期向您的储蓄提供商付款的回报，所提供的利率通常看起来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 都提供定期储蓄账户，利率为 7% AER，但这些引人注目的利率并不像看上去的那样。

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.

让我们来看看合作社的产品吧。您每月最多可以在常规储蓄第 1 期存入 250 英镑，这意味着一年中您最多可以在此帐户中节省 3,000 英镑。

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.

在这个阶段，您可能会认为这意味着全年可赚取 210 英镑的利息，毕竟您获得了 7% 的 AER。但是，如果这就是你的想法，你会非常失望。

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.

为什么？上个月您的账户里只有 3,000 英镑；达到这个数额花了一年的时间。您仅赚取账户资金的利息。因此，第一个月之后，您只需 250 英镑即可赚取 7% 的利息，到了半年，您将获得约 1,500 英镑，依此类推。

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.

就这个合作社账户而言，如果您每月存入 250 英镑，持续 12 个月，那么一年后您将收到 114.21 英镑，大大低于您的预期，但在当今市场上仍然是一个不错的回报。如果你有一笔一次性付款，你可以额外赚取 79.63 英镑，如果你在这笔逐渐减少的 3,000 英镑一次性付款中赚取 4.9% 的话。

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!

但如果您只是将 3,000 英镑存入 1 年期固定利率债券，利率为 5.22%，您将获得 154.50 英镑的利息 – 大约少了 10 英镑，但麻烦也更少！

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，总而言之，我们并不是说您应该避免使用这些账户，而是要注意，总体利率可能会产生误导，您需要积极参与并发挥创造力，才能真正充分利用它们。