There are many ways to get a better return, but not many without taking a risk, the best way is still using the limits on earned income and investing in your pension, for those who have a cash fund built up there are other types of investment that one can look at. By far the best is value investing, all that is needed is patience. Read more about this on the web page under services " savings and investment". Call one of out experienced financial planners to discuss this in private. 01-2122895