Finder’s Investment Challenge – 2020

Every year we track 10 different ways to invest or save £1,000. What has been the best way to grow your money so far in 2020?


Fact checked
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All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Capital is at risk.

Overall findings

The rise of cheap investing apps has opened up a world of possibilities for people who are looking for different ways to save their money. Traditionally the most popular method of saving for Brits has been to keep their money safe in a savings account, but increasing numbers are looking to the higher risk, higher reward options of stocks, funds and trackers and often use stock trading apps to do so.

But what method has worked out the best so far in 2020? We decided to start the year with £1,000* placed in some of the most popular investments from last year, the best savings account available on the site and under our mattress. Follow the live tracker below to see what method is currently winning, what has affected prices so far this year and to learn more about each option.

RankInvestment methodPercentage change since 1 January (at the end Q2 – Wednesday July 1st)
#1Picture not describedBitcoinPicture not described+37.03%
#2Picture not describedGoldPicture not described+23.91%
#3Picture not describedFund – Fundsmith EquityPicture not described+7.54%
#4Picture not describedDollarPicture not described+6.4%
#5Picture not describedSavings Account – Atom BankPicture not described+0.83%
#6Picture not describedMattressPicture not described0%
#7Picture not describedLotteryPicture not described-5.4%
#8Picture not describedFTSEPicture not described-18.33%
#9Picture not describedStock – Lloyds BankPicture not described-50.88%

Big events so far in 2020

Many factors can influence the price of your investment whether you are buying gold, stocks and shares or forex trading. Foreign affairs can be one of the most influential factors in price changes. Below we list some key world events that may have had an impact on investments so far in 2020.

  • 3 January: US drone strike kills Iranian general.
  • 7 January: WHO announces a new virus from the coronavirus family has been discovered.
  • 31 January: The UK leaves the European Union.
  • 28 February: Amid coronavirus fears, £200 billion is wiped of UK firms’ value.
  • 9 March: Shares around the world have their worst day since the financial crisis with the dramatic falls leading to the day being dubbed “Black Monday”.
  • 24 March: The Dow Jones has its biggest rally in a single day in 90 years amid speculation the US government are close to agreeing a $2 trillion rescue packages for businesses.

Find out more about each investment method

The market trends we have seen in 2020 show you exactly why all investments come with that cheery little tagline “Your capital is at risk”. Over time, of course, major indexes like the FTSE and a number of funds or ETFs tend to outperform savings accounts, but they come with a risk. Before you wade into investing, you need your own insurance policy, such as an emergency fund of 3 to 6 months worth of expenses.

“If you are likely to need money in these difficult times, it is a better option to put it in a savings account or a current account. While we are seeing extreme disruption to markets,it may be wise to hold any current investments and avoid turning a paper loss into a real one. The market is likely to bounce back, but we do not know how long it will take to recover.

“For those with disposable cash, the markets currently offer a great opportunity to buy stocks and funds at discounted rates. However, be wary. The period of economic uncertainty could rumble on for a long time and many firms may struggle to stay afloat as a result.. As always, your capital is at risk.”

Matt Mckenna, Head of Communications at


For the individual company share and fund, we selected the most popular choices in 2019 according to IG and Hargreaves Lansdown. For the savings account, we picked the most competitive rate available on our site as of March 2020. To replicate playing the lottery every week, we are randomising the numbers before each weekly draw.

All data is taken from the markets at the close of markets on a Friday.

*The £1,000 hasn’t actually been saved or invested in these methods, it is just being used as a way to illustrate the performance of each method.

Click here for more research. For all media enquiries, please contact

Matt Mckenna
Head of UK communications
T: +44 20 8191 8806

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