Plenty of options for surplus cash

Now that the tax return deadline has passed, and affairs are (hopefully) all square with the taxman for 2011, it’s a popular time of the year for deciding where to put any extra savings to hand.

The choices for surplus cash include investing money in shares, property (be it residential, commercial, agricultural, or forestry), or instead investing surplus cash in deposit accounts, savings certificates, savings bonds, National Solidarity Bonds, or credit union savings and share savings accounts.

Investment appraisal is the name given to the process whereby an investor weighs up the options available to him or her.