Savings advice

[Grahamm]

ISAs are terrible at the moment. Shares ISAs are different though. In the last 6 months I've invested £1200 in a shares ISA, and my balance is £1350 - it's a risk, but find me a savings account that can do that. It's all managed by an IFA and everything so nothing to worry about. Paid about £3600 in total over the years and my balance is closer to £4200.

Yes, you can make good returns on stocks and shares ISAs, but you can also lose a lot if you invest at the wrong point.

I have a FTSE 100 tracker ISA and I wait until the market takes a big dive, then chuck in £1000 from my cash ISA because the market will recover, it just might take a while so it's a long term investment whilst I've got enough in the instant access cash ISA to cover any contingencies.