‘I don’t need more money, I’m fine as I am,’ said nobody ever.

For the vast majority of people, money is something there is never quite enough of. From Millennials to OAPs, there are few of us who wouldn’t like to double our income, and yet only a tiny percentage of people put their money out to work.

Part of the problem is that we’ve all grown up watching films about hectic Stock Exchange shenanigans, from Wall Street to The Wolf of Wall Street, we’ve seen chancers making it big while the little guy suffered – and then the global financial crisis came along and showed us that the worst of our fears were true. It made us all think that investing our money was dangerous; too much of a risk for those of us with not a huge amount to lose. So, we sit on our money and hope for the best. The thing is that there are plenty of low-risk options for the cautious investor; it’s just a matter of knowing where to find them.