Premium

A bond pays a coupon over its life and returnsFace ValueatMaturity, unless the issuer defaults.

Examples include withdrawing instead of transferring, missing APS deadlines for ISAs, selling before probate, and overlooking unused IHT allowances.

£9,000 per year for 18 years at a hypothetical 7% real return compounds well into six figures. Actual returns vary.

Even a 4-5% inflation rate against a 4% easy-access savings rate erodes real returns. Premium Bonds and easy-access ISAs are not immune.

Shell, BP, AstraZeneca, HSBC, Unilever, Legal & General and British American Tobacco are among the largest UK dividend payers (company filings).

Evans-Archer showed risk falls steeply with the first 15-20 holdings, then plateaus.

Demandfrom medical imaging, electronics and aerospace is rising while supply is concentrated in a small number of countries and projects.