Hi, i am also upto the max in my help to save account, and fully agree that it is an outstanding product. Yet, does supporting this product open up an old chestnut ? If most people agree that a 4 to 5% return on stock market investments is good and what we all should be aiming for. Then if you can achieve this in a bank with, 85k protection, should we all be looking to move some or even all of our stock market investments into cash in the bank…just a thought 