I fail to see how constructively suggesting that people search for previous threads on topics that have been discussed before constitutes "cutting a thread short". There are quite a few threads that were not "cut short" among . I'm sure that there are other searches that will find more. Even older threads contain useful advice as much of the general pointers/rules of thumb (e.g. considering low charges unit linked funds versus deposits over the medium/long term) does not date. Not everybody realises that certain topics crop up again and again, that there may be existing useful threads dealing with them and that these can be found by searching the site (preferably using Google as per my signature which is normally more effective than the vBulletin search) so there is no harm in pointing this out. If you already know that then feel free to skip posts suggesting it rather than dragging threads off topic moaning about them.
See the Financial Best Buys forum lists for details of the best demand and term lump sum and regular saver deposit accounts/rates.
No guarantees and past performance is no guide to future returns.
See the Financial Best Buys forum, Savings & Investments key posts and do a search for information about low charges unit linked funds.
There are no guarantees with such funds and nobody can predict how they will perform into the future. However over the medium/long term they would normally be expected to far outperform deposits and inflation.
OK - so if your timeframe is shorter (e.g. you may need access in 5 years or less) then perhaps some or all of it on deposit and maybe some of it in a lower risk/reward low charges unit linked fund might be an option? It's difficult to recommend specific strategies without doing a more comprehensive fact find/review of your overall financial situation.
You should also look at www.itsyourmoney.ie and their guides to savings and investments etc.