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yes, yes, yes, i qualified it as some risk. your approach is good but you've got to pick the right companies, with risk they stagnate or fall. market grows over time and puting in a tracker also requires no effort. my family are mad over premium bonds, auntie and gran say they do very well...

if your looking for safest options, various banks/building societies offer 3-5 year bonds with relativly decent interest rates. if you want to accept some risk, and take a medium-long term view, look at putting into FTSE index trackers. over time, they do well well as the weak companies get...