Where would you put £30k, aside from regular savings/ISA?

Rer24

is there any other more lucrative options, besides regular savings account/fix accounts/ISA

but saying that I don’t want anything extremely risky like investing in the stock market but are there any other options?

if you had 20k to invest/ where would you put it?

i’ve always just used a one or two year fixed savings account and just move to the next best rate on Saint matures

El_Torro

If you don't want anything riskier than cash then stick to cash. 

Newbie_John

Premium bonds, you'll get about 3% back each year

InvesterJones

Rer24 said:

is there any other more lucrative options, besides regular savings account/fix accounts/ISA

but saying that I don’t want anything extremely risky like investing in the stock market but are there any other options?

if you had 20k to invest/ where would you put it?

i’ve always just used a one or two year fixed savings account and just move to the next best rate on Saint matures

Risk is the price you pay for increased returns (i.e. you can demand higher returns to compensate you for the risk). Investing in the stock market is a very broad generalisation - within equity investments there are a range of volatilities or ways of investing. But if you are looking for something short term (you don't say what your timeframe is) then agreed, 100% equities probably aren't suitable.

Have you considered bonds? Or mixed asset funds? 

Where I'd put 20K is irrelevant to you - my withdrawal timeframe and risk tolerance are different to yours. 

wmb194

Rer24 said:

is there any other more lucrative options, besides regular savings account/fix accounts/ISA

but saying that I don’t want anything extremely risky like investing in the stock market but are there any other options?

if you had 20k to invest/ where would you put it?

i’ve always just used a one or two year fixed savings account and just move to the next best rate on Saint matures

Depends on how you define risk but gilts are another option, capital gains are tax free and if you go out the curve 15+ years you start to find 5%+ annual yields. You buy them via a stockbroker e.g., Hargreaves Lansdown, AJ Bell and iWeb (owned by Lloyds Bank) offer them.



https://giltsyield.com/bond/

flaneurs_lobster

Split it, x% in cash deposit, y% into something "riskier" like a S&S ISA.

You don't say how long you want to "invest" for, that would make a difference as to where you might look and how "risky" you might want to make it.

There are, of course, hundreds of opportunities offered to anyone who has an email or social media account. Generally unregulated and offering rates of return many times those available in the "straight" world. Some may even be legitimate, some may not steal all your money.

Newbie_John

S&S (ISA or non ISA) is not all equally risky. There are funds that are almost as safe as bank deposits:
https://www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/v/vanguard-sterling-short-term-money-mrkt-class-a-income/charts

There are some that can jump 10% a day in either directions, there are Shares you can buy today and tomorrow the company can be gone (as well as shares).

Most funds have a mixed risk as they invest in 100 items and if one of them collapses the gain of others make it up.

If you give yourself a target to keep it out there for 3,5,10 years then you'll be fine