Latest Investment Commentary

Investment income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

Investment Focus: Gilliat Income Builder Plus

Oliver Roylance-Smith / 15 May 2012

Of all the investment themes, income is consistently at the forefront of the investor’s mind, whether you are working and need to supplement your earnings, or retired and looking to add to you... Read more

5 x FTSE growth - potential returns of up to 100%

Oliver Roylance-Smith / 10 May 2012

"If you think the FTSE will rise over the medium term then this plan could be just for you. The Best Entry plan from Morgan Stanley offers a return of 5 x any rise in the FTSE 100 Index with a ... Read more

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Best Cash Investments

Find the best cash investments...

Choosing the best cash investments for your circumstances is essential when it comes to savings. Cash investments can provide modest returns with little risk to your initial investment, but they do have relatively low interest rates.

Cash investments come in many the forms, some of the best cash investments are savings accounts, fixed rate bonds and government savings bonds.

You can use the table below to find the best cash investments for your circumstances:

Best Sellers Savings Plans

Latest Fixed Rate Bond Deals

Savings Selection

Inflation Beating Savings Plans

Instant Access Savings Accounts Deals

Savings Selection

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Term Deposit Account	4.00%	5 Years	Apply Now >
Interest paid either Annually at 4.00% Gross/AER, Quarterly or Monthly interest also available. Minimum Deposit £10,000.
	Investec FTSE 100 3 Year Deposit Plan	17.25%	3 Years	Apply Now >
This structured capital protected deposit plan offers a maximum return of 17.25% at maturity. Also available for Cash ISA and Cash ISA transfer.

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Rate Bond	4.26%	5 Years	Apply Now >
Earn 4.26% gross/AER fixed for 5 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available. Annual or monthly interest.
	3 Year Online Bond	3.72%	3 Years	Apply Now >
A rate of 3.72% Gross/AER fixed for 3 years. Deposit from £500. No additional withdrawals or deposits.
	2 Year Online Bond	3.63%	2 Years	Apply Now >
A rate of 3.63% Gross/AER fixed for 2 years. Deposit from £500. No additional withdrawals or deposits.
	1 Year Online Bond	3.27%	1 Year	Apply Now >
A rate of 3.27% AER fixed for 1 year. Deposit from £500. No additional withdrawals or deposits.

Provider	Account	Rate	Term	Apply
	Investec FTSE 100 3 Year Deposit Plan	17.25%	3 Years	Apply Now >
This structured capital protected deposit plan offers a maximum return of 17.25% at maturity. Also available for Cash ISA and Cash ISA transfer.
	Fair Investment Income Deposit Plan	7.00%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.00% annual income. Also available as a cash ISA and ISA transfer.
	2 Year Online Bond	3.63%	2 Years	Apply Now >
A rate of 3.63% Gross/AER fixed for 2 years. Deposit from £500. No additional withdrawals or deposits.
	1 Year Online Bond	3.27%	1 Year	Apply Now >
A rate of 3.27% AER fixed for 1 year. Deposit from £500. No additional withdrawals or deposits.

Provider	Account	Interest Rate (AER)	Term	Apply
	Fair Investment Income Deposit Plan	7.00%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.00% annual income. Also available as a cash ISA and ISA transfer.

Provider	Account	Interest Rate (AER)	Term	Apply
	Nationwide MySave	3.17%	Easy Access	Apply Now >
	Up to 3.17% AER (including 1.62% gross p.a. bonus for 12 months when you save £25,000 or more) Open with £1,000. Easy access, with 1 free withdrawal per year.			Apply Now >
	ING Direct Savings Account	3.10%	Instant Access	Apply Now >
	3.10% AER variable (3.06% gross p.a.) including a fixed bonus of 2.56% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.			Apply Now >
	NetSaver	3.06%	Easy Access	Apply Now >
	3.06% gross/AER variable including 12 month fixed bonus of 2.06% paid until 30th June 2013. £1,000 minimum opening balance. Easy access. Online management.			Apply Now >
	Online Saver	3.01%	Instant Access	Apply Now >
	Rate includes a 1.36% gross/AER fixed interest bonus for the first 12 months. Monthly interest available. Unlimited free withdrawals. Open with £1.			Apply Now >
	Direct Transfer Account	2.80%	Easy Access	Apply Now >
	Includes a 0.89% bonus payment for the 1st 12 months giving you a return of 2.80% AER. Open with £1,000.			Apply Now >
	Nationwide Regular Savings	up to 2.50%	Instant Access	Apply Now >
	Earn tiered rates of up to 2.50% Gross/AER when you save £500 or more. Open with £1. Unlimited withdrawals. Save up to £1,000 each month.			Apply Now >
	Lloyds TSB International Bonus Saver	1.51%	Instant Access	Apply Now >
	From 0.6% - 2.01% with 12 month bonus.			Apply Now >
	Online Bonus Saver	0.75%	Instant Access	Apply Now >
	0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%.			Apply Now >
	Easy Saver	1.60%	Instant access	Apply Now >
	1.60 AER/Gross variable. This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months.			Apply Now >
Existing customers only	eSavings Account	2.50%	Instant access	Apply Now >
Existing customers only	Existing customers only. 2.50% AER/Gross (variable) on balances of £10,000 or more or 1.60% AER/Gross from £1 to £10,000. These rates include a fixed introductory bonus of 1.50% AER for the first 12 months.			Apply Now >

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Term Deposit Account	4.00%	5 Years	Apply Now >
Interest paid either Annually at 4.00% Gross/AER, Quarterly or Monthly interest also available. Minimum Deposit £10,000.
	3 Year Fixed Rate Bond	3.61%	3 Years	Apply Now >
Earn 3.61% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available
	Nationwide MySave	3.17%	Easy Access	Apply Now >
Up to 3.17% AER (including 1.62% gross p.a. bonus for 12 months when you save £25,000 or more) Open with £1,000. Easy access, with 1 free withdrawal per year.
	ING Direct Savings Account	3.10%	Instant Access	Apply Now >
3.10% AER variable (3.06% gross p.a.) including a fixed bonus of 2.56% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.
	18 Month Fixed Rate Bond	2.80%	18 Months	Apply Now >
18 Month Fixed Rate - 2.80% AER. Open to new and existing customers. Click to learn more.
	E-Cash ISA	2.50%	Instant Access	Apply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.
	9 Month Fixed Rate Bond	2.50%	9 Months	Apply Now >
9 Month Fixed Rate - 2.50% AER. Open to new and existing customers.

Cash investments can offer a number of benefits including:

They are usually low risk
With a savings account you can make easy withdrawals
Can either be a short-term or a long-term form of investment depending on your attitude to investment risk.

When you are looking to put your savings into one of these best cash investments, it is a good idea to compare a range of products to find out which product will end up giving you the best return – Use our comparison service by clicking on the link below to find the best plan for you.

Want some advice? Fill in the enquiry form by clicking the link below to speak to an independent financial adviser.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.