If, like most people, you answered "yes" to this question, then fixed-rate ISAs may be just up your street.
Paying some of the best rates in the savings market, fixed-rate ISAs require you to lock your money away for a set period, ranging from one to five years, in return for a tax-free rate of interest.
The majority of these accounts do not allow withdrawals during the term, however, so you must be willing to leave your funds untouched or risk incurring hefty penalties.
Fixed-rate ISAs beating/matching CPI at 2.70%:
ISA Saver Fixed
5 Year Bond
4 Year Bond
3 Year Bond
Fixed Rate Cash E-ISA Issue 33
Fixed Rate Cash ISA Issue 35
4 Year Fixed Rate ISA
4 Year Fixed Rate Cash ISA
Fixed Rate ISA Issue 65
Fixed Rate Cash ISA Issue 56
Source: Moneyfacts.co.uk. Rates correct as of 06.3.13.
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