Although I have not had chance to study it in detail, the 3 year 4% pensioners bond for up to £10000 each looks good. It means my wife and I can get 4% return with low risk on £20000 of joint savings. This is above inflation and a much better rate than competitors. It runs from 2015. Also promising is the new NISA allowing up to £30000 (joint income) to be sheltered from tax each year starting in July 2014.