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@theropod Nowhere did I say don't use cash savings account; they're perfect for the short- and even medium-term holdings. Again I make that point in my post - "obviously there might be a crash in the next 6 months". I'm responding quite specifically to the posts who were saying "With interest...

@charu Absolutely - 6 months is way too short. I'm just using a real-life example from this subreddit to counteract the people (as I link to in the post) making timing-the-market arguments. 5, 10, 15, 25 years are much fairer judgements of course, but also very hard for people to...

@theropod I mean...I think I pretty clearly make it obvious that the point I'm making is about not getting distracted by seeing high fixed-interest savings account at a time of high-inflation? There's obviously dozens of reasons why fixed-rate savings are better than the market for lots of...

Preaching to the choir here, but always good to have the hard numbers. In the past year or so, we had a lot of posts in /r/UKPersonalFinance asking why even risk investments when fixed-rate savings were paying 6%+ per year. Well, it's been six months so I thought why not take a look at the...