I am very bad at managing my money effectively (adhd) but earn well, have paid off mortgage and have decent savings.
I have a fairly substantial amount of money sitting in my current account at present, and I'm aware that it isn't really doing anything for me there. I want to retain some funds in the current account as a financial buffer for unexpected costs etc, but I want to invest around £5-10k in something with a slightly better return.
I'm pretty risk averse, so not looking for high returns. Just something better than my current account.
I already have an ISA but don't pay into it regularly. Should I? I also have a so called high interest savings account but the interest is pretty crap tbh. Have wondered about premium bonds? Or private pension? (I am currently only paying 6% into my work pension as this is all that my employer will match, but I do have a decent chunk of pension from my previous employment when I was in a very generous final salary scheme).
If I only invested £5k - £10k, I wouldn't need to worry about instant access. I could potentially invest more if I knew that I could lay my hands on the money straight away if needed.
Does anyone have any advice or suggestions for me?