Investment suggestions for the 3rd Liberty Loan

INVESTMENT
SUGGESTIONS
for the 3rd
Liberty Loan
£35,000,000

How you can invest . . .

FROM SAVINGS OR
BY PAYMENTS OUT
OF FUTURE INCOME

Page 2.

3rd LIBERTY LOAN
THE ONLY WAR LOAN FOR 1943

The Investments Offered

A. Deposits in National War Savings Accounts of 1/-
to £1,000.
Deposits made up to 30th June, 1943 repayable
30th June, 1945 with interest.
Deposits made on or after 1st July, 1943 repay-
able 30th Jun, 1946 with interest.
(Interest is credited on 30th June each year
and may be withdrawn within six months. If
not withdrawn it is added to the principal.)

B. £10 and £1 Liberty Bonds returning £11 7s. 6d.
and £1 2s. 9d. respectively five years from date
of purchase.

C. War Loan Stock in multiples of £10 (ordinary
stock and Death Duty stock).
2½ % stock repayable 15th June, 1947/49.
3% stock repayable 15th December, 1953/56.
Issue price £100 per cent (see War Loan pros-
pectus).

Two Methods of Investing

1. FROM SAVINGS: By investing in the War Loan in a
   lump sum from accumulated savings or other moneys
   in saving banks or like institutions, or on current
   account with a trading bank.

2. FROM EARNINGS: By making regular payments from
   earnings (including overtime) spread over a period of
   months.

How to Invest from Savings

1. Transfer part of the balance in your Savings Bank Account or on Current Account with a Trading Bank or other institution to a National War Savings Account. (Note: Any person may have two National War Savings Accounts. Some people who are members of savings groups and whose pass- books are held by their employers for entry of deposits deducted from salaries, wages and overtime, have a second account for private use and this pass-book they hold them- selves.)
2. Use part of the balance in your Savings Bank Account or on current account with a Trading Bank for in- vestment in War Loan Stock or to purchase £10 to £1 Liberty Bonds.

How to Invest by
Instalment Payments
A. NATIONAL WAR SAVINGS: Authorise your
employer to deduct each pay day from your salary, wages or
overtime a fixed sum for deposit in your National Savings
Account, if not permanently then for a fixed term preferably
up to the 31st March next.
B. £10 and £1 BONDS: Form a bond purchase group
among your fellow workers or arrange with your employer to
purchase a parcel of bonds for resale to you and other mem-
bers of the staff. Some members of staffs who are not in a
position to pay cash for bonds, but, nevertheless, wish, as
patriotic citizens, to support the War Loan and incidentally
to build up for themselves a safe investment, might find
difficulty in deciding how best to arrange this out of their
future income. It is suggested that all such people in any one
firm could, with advantage, form themselves into groups for
the express purpose of purchasing War Bonds on an instal-
ment plan.

Group-Purchase Plan.

Supposing ten members of a staff band themselves to-
gether on the understanding that each will pay to the Group
Treasurer each weekly pay-day the sum of £1 for a period of—
say—thirty weeks. Each pay-day the Treasurer will collect £1
from each group member and will purchase a £10 bond,
which will be lodged with the firm for safe custody.

Page 3.

After thirty weeks each member of the group will be
the owner of bonds to the face value of £30, which, at maturity
date five years later, will return to him the sum of £34 2s. 6d.
If the amount paid into the group by each member each
week were 10s., each member would eventually own bonds to
the face value of £15, which, at maturity date, would re-pay
£17 1s. 3d.
As the bonds purchased early in the group-purchasing
scheme will mature before those purchased later, the order of
issue of bonds to the individual members of the group could
be decided by ballot at the conclusion of the contributing
period.

Firm-Purchase Plan

Alternatively, a firm might agree to purchase bonds for
resale to the employees and undertake to collect from the
staff group each pay-day so much in re-payment of the cost
of the bonds. Under this scheme each member of the group
would receive the benefit of obtaining payment of the bonds
five years from the date of purchase, notwithstanding that he
had not fully paid up the cost of the bonds until thirty weeks
after that date.

C. WAR LOAN STOCK: Invest in war loan stock, if not in
one payment, then on the following terms:

1. Payment of £30 per cent on application; £30 per cent on 25th August, 1943; and £40 per cent on the 6th October, 1943.
2. Payment of £30 per cent on application; £10 per cent on the 11th August, 1943, and a further £10 per cent on the 11th day of each succeeding month up to and including the 11th February, 1944. (The first interest payments will be calculated from the dates the deposits and instalments are re- ceived by Banks and Post Offices.)
3. Consult your Trading Bank regarding the easy term accommodation it is prepared to offer to assist War Loan investors.

Where to Invest £10 and £1 Liberty Bonds are
available at any branch of any
Bank and at any Postal Money Order Office.
National Savings Account deposits may be made at any Savings Bank.
Copies of the 3rd Liberty Loan Prospectus may be obtained from,
and forms of application for War Loan Stock lodged with, the above
Offices and also the Reserve Bank of New Zealand, Wellington, and
the District Treasury Offices at Auckland, Christchurch and Dunedin.

W. & T. LTD.