£35k investment

Moneysaver28

Where should I invest £35,000 to get the best rate of return?

Eco_Miser

Over what period, and at what risk?

badger09

Moneysaver28 wrote: »

Where should I invest £35,000 to get the best rate of return?

Do you mean invest or save?

Whichever you mean, you'll need to provide more information if you expect any useful comments.

BananaRepublic

Please answer the above questions.

As ever, zero risk such as a savings account means poor returns, high risk means potentially high returns, often greatly so. But to get the high returns you need to invest for the long term, and realise that you might not be able to access the money whenever you want, due to market crashes for example.

eskbanker

BananaRepublic wrote: »

As ever, zero risk such as a savings account....

As ever, there is no such thing as zero risk! Savings accounts (subject to FSCS of course) offer zero risk of capital loss but do suffer from inflation risk and shortfall risk, so it's inaccurate to portray savings as zero risk, even if these risks may be lower than investment risks, dependent on a range of factors including timescales.

BananaRepublic

eskbanker wrote: »

As ever, there is no such thing as zero risk! Savings accounts (subject to FSCS of course) offer zero risk of capital loss but do suffer from inflation risk and shortfall risk, so it's inaccurate to portray savings as zero risk, even if these risks may be lower than investment risks, dependent on a range of factors including timescales.

Thank you for that piece of pointless academic pedantry.

eskbanker

BananaRepublic wrote: »

Thank you for that piece of pointless academic pedantry.

It's not pointless, academic or pedantic actually - in the context of lack of knowledge of OP's objectives then it's overly simplistic to imply that savings are lower risk than investment when it could be exactly the opposite if aiming to accumulate for, say, retirement.

Gadfium

BananaRepublic wrote: »

As ever, zero risk such as a savings account means poor returns,

Savings account, yes. Current accounts, no. There's pretty good returns to be had by spreading the dosh across multiple high-interest current accounts.