making a real return is only available in a limited number of ways unless there is some risk taken onboard.
i'm dividing 1k/m between HSBC, M&S and Nationwide, and bagging 5.25% overall, so over £300 in interest.
then have Lloyds and TSB current accounts generating interest, and as chris mentions, some Rewards accounts.
i have some Friendly Society TESPs and RSPs that are generating returns on the sum assured, so they provide a real return.
and then ISA Fund and Shares, including some good yielders like Glaxo, Astra and Vodafone, and now have 6 pension pots