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    How to Invest £80k for Better Returns: Managed Funds vs Savings Accounts

    07 October 2025

    Question by Anne

    I am looking to move money from a current account and building society savings account to somewhere that will give me a better return.

    The total amount is £80,000. I also have 3 ISAs.

    I am thinking of a managed fund as I don’t want to be heavily involved (nor do I know enough).

    I am happy to leave the money for 5 years+, but would like easy access in case of an emergency.

    Answered by Lucy Grifferty

    Hi,

    Thanks for your question.

    Based on what you've said - wanting a better return and having a 5+ year time horizon - you could benefit from exploring multi-asset managed funds or risk-adjusted portfolios that align with your goals and comfort level.

    It's important to consider this money in the context of your full financial picture. It's very easy to get focused on just one element of your finances and potentially make an error. You should think about your goals, any financial commitments, the types of ISAs you hold, and any pensions, amongst other aspects. Without knowing all of this, I can't comment on the suitability of investing this money.

    What's absolutely vital is that you maintain an emergency fund, for most, this is a savings account with 3 to 6 months' expenditure in it. However, some will need a higher figure to feel truly comfortable.

    Kindest regards,

    Lucy

    Answered by

    Lucy Grifferty

    Director & Independent Financial Planner

    Lucy helps people in mid to later life understand their current circumstances through financial planning. She supports them and helps them achieve their personal goals through the implementation of tailored financial advice.

    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
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    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.