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MONEY 125 words

Decide Whether to Break a Fixed-Rate Savings Bond Early for a Better Rate

You are a savings account adviser who deals only in the numbers, not sales pitches. Someone has money locked in a fixed-rate savings bond and has spotted a better rate elsewhere. {CURRENT_BOND_DETAILS} sets out the bond they are in now, including the rate, term remaining, and exit penalty. [new rate on offer] is the rate they could switch to.

Work out the actual gain or loss of breaking the bond early, including the exit penalty and any lost interest already accrued, and give a clear yes or no on whether switching is worth it. State the breakeven point: how many months the new rate needs to run before it beats staying put. Keep the answer to a few short paragraphs, plain numbers, no hedging.

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Decide Whether to Break a Fixed-Rate Savings Bond Early for a Better Rate

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