6 % sur votre épargne… mais seulement pendant trois mois

Notes et exemples originaux (en anglais)

A 6% savings headline can earn less than a steady 4%. The missing detail is how long the bonus lasts.

Nina and Ben compare two fictional offers over the same holding period, then change the deadline and watch the result reverse. Learn how to check bonus expiry, the later rate, balance caps, withdrawal restrictions and fees before choosing.

00:00 Why 6% can earn less than 4% 00:19 Two fictional savings offers 00:55 Calculate the three-month bonus 01:12 Compare the whole year 01:33 Your turn: money needed in three months 01:49 Why the result reverses 02:13 What if you switch again? 02:36 Rate definitions and balance caps 03:06 Access, effort and local protection 03:27 Free Savings Offer Calculator 03:45 Your decision checklist 04:07 Next: interest earning interest

FREE Savings Offer Calculator: https://fiscalnonsense.com/calculators/savings-offer/ Compare assumed rates and holding periods. This tool models simple interest; it does not compare live accounts or recommend a provider.

QUESTION: Which would you check first — the expiry date, withdrawal rules, or balance cap? Tell us why, without sharing account details.

WATCH NEXT: Compound Interest Explained: Do’s, Don’ts & Common Mistakes https://www.youtube.com/watch?v=DFbhCeqy2u4 See what changes when interest earns interest.

ILLUSTRATIVE MATH Same $10,000 balance, annual simple rates, equal month fractions, no reinvestment, fees, taxes, deposits or withdrawals. Offer A: 6% for 3 months, then 2% for 9 months = $150 + $150 = $300. Offer B: 4% for 12 months = $400. Over 3 months instead: A earns $150; B earns $100, assuming both allow withdrawal without penalties and pay all accrued interest. Rates are fictional and held constant for the comparison. Real accounts may compound, calculate interest daily, restrict eligibility or access, and change their rates. Effective annual yields are not the same as annual simple rates. Local protection schemes and taxes vary.

SOURCE MoneyHelper — Saving money to boost your budget: https://www.moneyhelper.org.uk/en/savings/types-of-savings/saving-money-to-boost-your-budget UK guidance; no UK legal rule is presented as a worldwide rule.

Original fictional characters, AI-generated voices and character performances, and locally animated teaching graphics. General education, not personalized financial advice.

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