§ Articles
How retail bonds work
Bond mechanics, tax, vintages, and the spread game — short reads, sourced from primary docs.
Henrietta finds them. Barry closes each one with the holder's line.
New to RSA Retail Savings Bonds?
A primer on what RSBs are, how Treasury sets the rates, and the rules around buying, redeeming and re-starting.
Is my money safe in RSA Retail Bonds?
Government debt is the safest credit in the country, and retail savers sit at the front of the queue.
Inflation-Linked vs Fixed Rate
How CPI indexation actually works, and when each is the right tool.
Reinvest, Semi-annual or Monthly
A decision framework, not just "reinvest is always best".
Why the Restart option makes Fixed Rate RSBs special
The only retail savings product in SA that lets you keep the upside of rising rates and the protection of fixed rates at the same time.
Investing for 2 or 3 years? Look at the 5-year bond first
Buying a 5-year bond and redeeming it early is usually a better deal than buying the 2 or 3-year bond directly.
RSBs vs Bond and Income funds — a 10-year comparison
Over the decade to October 2017, a managed 5-year fixed RSB beat the average bond fund by 2.26% p.a. and the average income fund by 2.33% p.a.
Interest exemptions and the over-65 threshold
Section 10(1)(i) in plain language, with worked examples.