After years of steady, undramatic growth in equity indices volatility returned with a bang in 2018 with a February “flash-crash” which at one point saw the Dow Jones drop 1,600 points before rallying 750 into the close. Following the shock of February, the markets attempted a recovery before re-testing the previous year-to-date lows but since Easter we have again seen a steady appreciation in equity indices back to near-record levels.

Trying to find the best Fixed Rate Bonds can involve plenty of thought and consideration, as the quest to locate a perfect fit for requirements and expectations may be a timely one. An important factor to be considered is whether Fixed Rate Bonds with access are something that could be appealing.

Nobody can plan their life month-by-month or year-by-year, but having an idea on when you are likely to make the biggest credit application in your life – your mortgage application – can help you optimise your credit rating and help lenders to give you the best deals.

Many firms offer a free report which allow you to check your credit score and identify any issues which may deter potential lenders from offering you their best deals. The main providers are:

• Callcredit
• Equifax
• Experian 

With interest rates on current accounts being negligible, many savers are looking for other options as to where to store their wealth. The matter becomes one of priority when searching for somewhere to deposit a lump sum; taking advantage of any opportunity to accumulate interest is important. Knowing how to do this in a way that is sensible and puts the savings in a safe position has led many to Fixed rate bonds.

Knowing what to save, and where to save it, can be an incredibly complicated business. The desire to make any money work and earn is often tempered by a fear of risk, and many savers understandably don’t want to subject themselves to potential worries and stress.