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Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Index-linked Savings Certificates are inflation linked bonds from National Savings and Investments the state-owned savings bank in the United Kingdom. The bond terms are typically 2,3 or 5 years. The returns are linked to the RPI with an escalating premium on top. The escalation encourages bonds to be held to term with higher return over inflation in the later years. Bonds can be cashed in at any time. Bonds cashed in the first year sacrifice their increases to date and return only the initial deposit.