With NSI, the so-called safe haven for cautious investors, reducing their prize money shortly, this highlights the need for regular review of all investments and the need for balance.

All investments need to be reviewed regularly. Investors needs or circumstances change over time, the marketplace changes either with new offers that may be more suitable or as here with changes to the rates/ terms of existing offers.

Many bank and building societies benefit from the inertia of the individual investors not wanting to take the time to review and make changes.

But financial planning wars are won by years of accumulating sometimes marginal gains and so it always pays to have at least an annual review of savings and investments to ensure they continue to work hard and meet your needs.