You should divide your money into different pots that correspond with your goals. Each pot will be put in a place that is best for that goal's timeframe. For example, your Emergency Fund could be in an easy-access account (which pays interest) whilst your savings for longer-term goals, like buying a house, could go into a fixed-term account paying higher interest. Any surplus savings could be invested or added to your pension pot. You can discover if you are ready to invest using the My Money tool. 

This is not professional advice! If you need some of that speak with a financial advisor. 

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