windfall

[PIP447]

whats the best way to invest 20k with the best return and least exposer

[buildersmate]

'Best return' and 'least exposure' are mutually exclusive when it comes to investment, I'm afraid.

[factor-fiction]

For least exposure you need a bank/building society account or premium bonds. For best return in these categories have a look on here:
http://www.moneysavingexpert.com/banking/

and here
http://www.moneysupermarket.com/Savingsp/Defau lt.asp?p=0&ef_id=1816:3:s_79099145b728dac790d5 bfb720da8432_3377913039:Soun2NBkOIYAAGeUbDUAAA IA:20090819072056

You can get 5% on accounts fixed for 5 years , for example.
It depends on how much access you need to your money. It also dpends whether you area tax payer. Look to use up all your annual ISA tax free allowance-you can save �3600 pa tax free