Best savings rates....

[contractorinatractor]

Short term thinking. I'm talking over 20 years. 40K is a small sum after all.
Some of my index funds are emerging markets, now is the time to get in if you have a 10-20 year outlook.
Very little invested in UK securities.
And yes I have a diversified portfolio including cash and property.

You are talking over 20 years?

Good news - I am also.

Refer to graph and the peaks. You would be *much* worse now, particular relative to inflation. As I said, don't invest right now if you're new to it, because as you can see the past peaks aren't hugely below the existing peak. Why is it a peak? Companies aren't doing particularly well, consumer loans are much higher, spending is trending downwards. If you invest some huge lump sums in the next 6 months you will regret it. Instead split those into 36 lump sums and invest per month instead; that's far better advice:

[kaiser78]

Kids savings account - Halifax offering 4%

[scooterscot]

bitcoin bitcoin bitcoin - when will you people learn?

[MarillionFan]

I'd hold out for a Zopa account.

I love watching it tick up every day. Just over 100k now. Not sure of the exact return but seems to be around 5 1/2 percent.

[sasguru]

GBP and USD recent devaluation and tax changes account for the recent stock-market surges. P/E ratios are quite high in the UK and USA for the top companies. Go look at a FTSE100 graph or S&P.

You're advising to invest in an index tracker NOW? That's an idea dreamt up from nonsense. Stocks are at an all-time high and can only go so high based on currency devaluation and some minor corporate changes - absolutely invest in cash and some trust holdings now until they head downwards within the next year max.

Alternatively, invest a little every month to offset the forthcoming doom and forget about those transfers. Investing individual large sums over the next 3 months is a fool's game.

Short term thinking. I'm talking over 20 years. 40K is a small sum after all.
Some of my index funds are emerging markets, now is the time to get in if you have a 10-20 year outlook.
Very little invested in UK securities.
And yes I have a diversified portfolio including cash and property.

[contractorinatractor]

STick it into an index linked fund and forget about it.
Am shocked to see how well my pension is performing, makes me feel

GBP and USD recent devaluation and tax changes account for the recent stock-market surges. P/E ratios are quite high in the UK and USA for the top companies. Go look at a FTSE100 graph or S&P.

You're advising to invest in an index tracker NOW? That's an idea dreamt up from nonsense. Stocks are at an all-time high and can only go so high based on currency devaluation and some minor corporate changes - absolutely invest in cash and some trust holdings now until they head downwards within the next year max.

Alternatively, invest a little every month to offset the forthcoming doom and forget about those transfers. Investing individual large sums over the next 3 months is a fool's game.

[OwlHoot]

Am shocked to see how well my pension is performing, makes me feel

FTFY

[sasguru]

STick it into an index linked fund and forget about it.
Am shocked to see how well my pension is performing, makes me feel

[mattfx]

I did the same a couple of weeks ago - will let you know if I get an invite.

[Wilmslow]

I'd hold out for a Zopa account.

Cool - Will join the waiting list.

[mattfx]

I'd hold out for a Zopa account.

[Wilmslow]

Looking to invest £30-40K. Seen a 1.95% rate with Atom Bank, which is an app-only account.
Vanquis are offering 1.86.

Both above are for a year term.

Anyone used them?

Another option I am looking at is Ratesetter - Zopa are not taking on new investors. I am interested in the Peer to Peer ISA - Ratesetter don't have this at present - Is it worth waiting, going with Ratesetter regular account or another option?