A comprehensive guide to lump sum investment. It describes the various short- and long-term investment possibilities, whether they are best for capital growth or income, how easy it is to withdraw money, the costs, the most tax-efficient investments for different situations, how safe the money is, and the likely rates of return. It also provides information on everything from gifts and ISAs to pension planning and charitable giving, and there are practical examples and suggestions. This 12th edition covers online investing and online banking.