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Investment special: Where to invest it

Low interest rates make saving unattractive. Charles Batchelor sets out a range of investment possibilities, from the straightforward to the more daring

Savings products

Real returns have been elusive over the past year, as savers struggled with low interest rates combined with inflation above the Bank of England target range. Will 2011 be any better? Those paying the basic tax rate will need to obtain an interest rate of 4.1 per cent to beat inflation, while higher-rate taxpayers will require a return of 5.5 per cent. “I don’t anticipate a significant interest rate rise over the next two to three years, so fixed-rate accounts may well end up faring better than variable,” says Justin Modray, founder of, a personal finance website.…

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