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    Tier 3: Lump Sums and Big Savings

    Finally, Martin moved onto those with large amounts to save.

    So far, NS&I have cut rates but others haven't followed suit - but Martin warned their cut "may pull others down".

    He listed four options for fixed rate accounts which savers can't withdraw from during a set amount of time - Masthaven, Aldermore, Paragon and UBL.

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