Advice/feedback welcome

Ynot_2

Been thinking about what I have in savings etc and wonderd if anyone could
possibly advise or give their own experiences also...
To sum it up I have got some of the old Peps/tessa account with a few grand in them,and had got paid off a while back there and got a nice sum of cash.And was fortunate enough to get a new job fairly quickly and thought about investing it into something that would give me a return..So had spoke to an IFA and advised to go along the bonds route..Fair enough I thought as he put it" Dont put all your eggs into 1 basket" but thats the 5 years up next
year and to be honest the returns are pretty crap..For an £10,00 investment
I am getting about just over £2,300(and thats bonuses in all included)now I thought that was crap and wondered if anyone else had any experience with any type of investment or anything they would recommend..I know a lot depends on your finacial status,risk etc but thought the return would have been slightly better than this...Or am I just being greedy here..
Any input/thoughts/views etc very much appreciated ...
In would be willing to take risks but not BIG risks just moderate ones
And meant also to say if this makes any difference.I have my mortgage with
the One account and you can pay in money to it,so as its offsets against the total owed to them and this gives a return of about %4 ish,would it be worth putting the money into that so as I am paying the interest on my mortgage
for £10,000 less what I owe them....As they would take the amount deposited
away from the total amount owed to them..Hope that makes sense

Thanks for reading

Ynot_2

Thanks guys.......Feedback was well received and some good points there..
Taking on board what was said....

Deemy

Your welcome

P.S.

You need to improve on presentation

dunstonh

The 5 years you invested included a stockmarket crash. So the advice was probably fine and probably wouldn't be much different for the next 5 years.

If you cant stand the heat, get out of the kitchen. That applies here. You said you dont mind some risk but you are also unhappy about the returns. You need to make your mind up.