Hi Folks,
I'm basically looking for the best deposit account that will give me easy access to my money if I need it quickly, say within 3mths. My bank(AIB) keeps annoying me about the high balance I have in my current account so I figure its a good time to go do something about it and get my finances sorted.
I currently have:
>10k in an AIB Online Deposit 7 account
>20k in my AIB current account
2-3k in shares in a well know Financial services company
What are my best options here. I'm also thinking of buying a house in the next year or so. I've been watching property prices like a hawk and so glad I didn't buy 2yrs ago as some of the house I was looking at the time came down by 40k or more. So I'd like to keep my money as liquid as possible, so 1yr fixed might not be the best option.
I am also mindful of the fact that these are extraordinary time we live in, where in the extreme maybe my deposit might not be safe. To be honest some of the posts I've read on here about folks diversfying into other assets for fear of currency devaluation scare the bejaysus out of me.
Any advice would be much appreciated.
Thanks
I'm basically looking for the best deposit account that will give me easy access to my money if I need it quickly, say within 3mths. My bank(AIB) keeps annoying me about the high balance I have in my current account so I figure its a good time to go do something about it and get my finances sorted.
I currently have:
>10k in an AIB Online Deposit 7 account
>20k in my AIB current account
2-3k in shares in a well know Financial services company
What are my best options here. I'm also thinking of buying a house in the next year or so. I've been watching property prices like a hawk and so glad I didn't buy 2yrs ago as some of the house I was looking at the time came down by 40k or more. So I'd like to keep my money as liquid as possible, so 1yr fixed might not be the best option.
I am also mindful of the fact that these are extraordinary time we live in, where in the extreme maybe my deposit might not be safe. To be honest some of the posts I've read on here about folks diversfying into other assets for fear of currency devaluation scare the bejaysus out of me.
Any advice would be much appreciated.
Thanks