联合王国保险费债券的回报率在2025年下降到3.6%,使其竞争力低于《国际审计准则》现金和高息储蓄账户。 UK Premium Bonds' return rate fell to 3.6% in 2025, making them less competitive than cash ISAs and high-interest savings accounts.

在多次削减、降低回报率和降低计划竞争力之后,2025年联合王国债券奖金基金利率降至3.6%。 The prize fund rate for UK Premium Bonds has dropped to 3.6% in 2025 after multiple cuts, reducing returns and making the scheme less competitive. 虽然债券提供免税奖金和资本保障,但专家说,现金的《国际审计准则》和高息储蓄账户现在提供了更好的保障回报。 While bonds offer tax-free prizes and capital security, experts say cash ISAs and high-interest savings accounts now provide better guaranteed returns. 赢家的几率仍然很低,大多数得奖者是小的,顶级赢家偏向于较富有的持有者。 Odds of winning remain low, with most prizes small and top wins skewed toward wealthier holders. 金融规划者建议储蓄者重新评估优先债券是否仍能实现其目标,特别是考虑到通货膨胀和更好的增长选择。 Financial planners advise savers to reassess whether Premium Bonds still meet their goals, especially given inflation and better alternatives for growth.