The highest rate this week is not automatically the best choice. Look at:
- The manager: are they licensed by CMA? How long have they run funds?
- Consistency: is the yield steady over months, or does it jump around?
- Withdrawals: how many days does it take to get your money, and are there fees?
- Minimums: how much do you need to start and to top up?
- Size and reviews: what do other members say about service and the app?
Short-listing three good funds and splitting your money between two of them is a sensible approach.
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