What should you do with money that is sitting in a deposit account?
Move some of it to work and keep some of it accessible. Money left entirely in a current account is not standing still. It is quietly losing ground, and it is the account most exposed if your details are ever compromised.
What should you do with money that is sitting in a deposit account?
Move some of it to work and keep some of it accessible. Money left entirely in a current account is not standing still. It is quietly losing ground, and it is the account most exposed if your details are ever compromised.
Lynx helps you put a lump sum or a monthly amount to work over three to thirty years, in something that matches how much risk you are actually willing to take. There is no minimum lump sum, and regular savings plans start from €100 a month.
Should you save or invest?
Both, usually, just not with the same money. A savings account is for what you might need at short notice. An investment is for money you will not need for several years, in exchange for the chance of a better return than deposit rates allow.
The starting point is not the product. It is working out how much you need to keep accessible, and how much you can genuinely leave alone. Someone who needs €10,000 available for a boiler breaking down or a car repair should keep that sum somewhere they can reach quickly. Money beyond that, sitting there for no particular reason, is usually working harder somewhere else.
Many investment products let you access some or all of your money within days if you need to, though this varies by product and provider.
The point is not to lock everything away. It is to stop treating your entire current account balance as untouchable savings when only part of it needs to be.
- Lump sum investing: A one-off amount, invested over a term that suits what the money is for.
- Regular savings: From €100 a month, for building up over time rather than starting with capital.
- Fund choice matched to risk: The product follows the conversation about what you need and what you can tolerate, not the other way round.
- Ongoing review: We look at it again as your circumstances change, not just at the start.
Gareth's take
Is now a bad time to invest?
There is almost always a reason to feel that it is. Interest rates, elections, a market wobble, something in the news. Waiting for the reason to disappear usually means waiting indefinitely, and missing the years in between.
This is sometimes described as time in the market rather than timing the market. Nobody, including a professional fund manager, reliably calls the right moment to get in or out. The evidence for staying invested through the uncertain periods is stronger than the evidence for trying to dodge them.
Why Wait?
There has also been talk of a new State-backed personal investment account, and of a possible change to the exit tax rate in the Budget on 6 October 2026. Neither has been legislated, so nothing here should be read as confirmed. If you are holding off in case something better arrives, it is worth weighing that against what you lose by waiting on something that may not happen, or may arrive with conditions you cannot yet see.
If you want to talk through whether to invest now or wait, book a free call. We will go through the actual trade-off rather than the headlines.
For individuals
For your business
What does an advisor do that an app or an AI tool can't?
Judgement, and time you probably do not have. Anyone can open an app and pick a fund. What is harder to replicate is knowing what to do when a fund has a bad quarter, when a client’s own circumstances change, or when something is coming down the line that has not made the news yet.
An AI tool can only work from what has already been written down. It cannot factor in a conversation you had last week, or tell you that a provider is about to change its terms. That kind of context comes from an ongoing relationship, not a single query.
There is also a cost either way. Whether you pay an ongoing charge to have someone manage it, pay a subscription to a self-directed platform, or do it entirely yourself, there is always a cost. With the last option, the cost is usually the decisions you did not know to make.
We are open about how we are paid, and we will tell you before you commit to anything. Read how we are paid. The same openness applies across everything we do, including mortgages, pensions and protection.
What if the money belongs to your business, not you personally?
The same principle applies, at a larger scale. A growing number of businesses are sitting on cash reserves in a company account with no particular plan for them, sometimes because the business has grown faster than anyone expected.
The approach is the same as for personal money. Keep what the business genuinely needs on hand, and consider putting the rest to work over three to five years. There are tax differences between a company investing surplus cash and an individual doing the same, and the current position needs confirming for your specific business before it goes anywhere near a decision.
If your company has cash sitting idle, book a free call. We will look at what you need available and what the options are for the rest.
For more on the ideas behind this page, see the investments section of our blog.
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