I know there has been discussion on savings before, so I know about Andrew Hallam's book and about the varying opinions of buying property, getting into stocks and shares, etc, but all of the threads I've seen have seemed to assume that people have a large amount of savings. What about people whose savings are not in the property-buying league? Let's say you can save the equivalent of £500-£1000 a month - that's still a good chunk of money at the end of a year, but it's going to take a while to build up enough for a property investment. What if you have no desire to spend time watching the stock market and deciding when to buy/sell shares? Or you don't want to risk losing any of your money, even if that means not earning a great deal of interest on it either? What do those of us with more modest savings do with it?