When investing, it's important to distinguish between short-term and long-term goals, as this influences the type of investments you should choose.
Short-term goals (1–5 years):
These are goals where you’ll need the money relatively soon, so preserving your capital is crucial. Examples include:

Saving for a house deposit.
A large purchase (like a car).
A wedding or vacation.

For short-term goals, low-risk investments are ideal, such as:

Cash ISAs: Safe but with low returns.
Short-term bonds: Offer more stability than stocks.
Money market funds: Provide liquidity with modest returns.

The focus here is on safety and liquidity rather than hi...