I can understand you feeling miffed about the poor return on your share save scheme but I would have loved to have had the chance to invest in various companies over the last two decades and still get the capital guaranteed with a little interest on top if share prices declined like recently.

You always had the chance of coming out with maybe double your money which would have been a great return but when share prices dipped from end of 2007 that chance was vastly reduced (or anniahlated!)

Maybe share saves are not for you, if you had made monthly payments of £25 for 3 years into a regular savings account providing 5% you could have not quite struck gold but you would have £72.87 (less tax) in compound interest for your return on the £900 you saved.