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@almac68
last july put £70,000 into an Index Bond at Natwest. This is held for 5 years. If the Stock Market is just one point above the july index in 2010 in 2015. I would get £70,000 + £23,000 guaranteed. £23K is a tidy sum in five years, no?
An Index Bond is measured against the performance of the FTSE 100 and stock market.
If it is below the july 2010 index. I get just £70,000 back. This is the lowest risk investment you can put your money into. I'm also max'd out on Cash ISAs.
Plus pay every month into a Unit Trust probably get £15,000 in 6 years time and pay into an Endowment policy (luckily not linked to our mortgage) since 1996 not a big yield probably get approx £32,000 in 9 years time. Both with Sun Alliance (previously Lincoln Assurance). These aren't huge investments total about £250 per with a life assurance claim each £80,000. but it was all we could afford at the time.
we have no short term savings or pension plan though :) but gratefully no serious debt either which is a huge relief.