RE: Today16 Apr 2026 12:26
Retirment,
4.5% on cash is sensible housekeeping, not the discovery of fire.
Shopping around once a year for the best ISA rate is what any switched-on saver should already be doing. Presenting that as though it settles every wider investment debate is where the logic falls apart.
And the ‘envy’ line is just a cover for when the actual point isn't being addressed. People are not envious of your savings account. They are simply pointing out that your preference for cash is exactly that: a preference, not a universal law. By the way, the cost erosion of money alone is abt 5% PA, so any return on capital below this