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Why not dump what you can into the ISA and keep the rest for coke and prozzies?
If I need the cash soonish I tend to go for easy, which for me tends to be one of those bonus saver thingies. I know they earn fuck all (4%? last one I had was more than that not done it in ages). Easy and you know you will have all the money in it. I'm a low risk kinda guy though - I take health risks not money risks. -
When it comes to isa it's cash or shares.
Cash is paying less the inflation so it's pants. But rate rises are immanent.
Shares are looking a bit frothy, but the markets is expecting a boost from tax reforms in America. After that I'm expecting a correction. Then will be a good buying a opportunity, when it will be is anyone's guess. You could miss out on some great gains.
Strange times. -
Should I just pony up for a IFA or can a bunch of random internet bikers help me out?
An IFA should pay for itself - but the trick is finding a good one. I’ve never got very far on that.
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hippy
wildwest
Howard
@Tenderloin
Can I ask a question. I had a good H1 and want to do something useful with the bonus (c £20k). I currently pay £500 per month into a Nutmeg ISA and started it with £3k. So I have £11k left for this year's allowance? I can't really pay more per month than I currently am for now but where there's a will there's a way.
I have 2 BTC which I bought aaaages ago but don't want to do anything like that. I'd describe my appetite for risk as medium - high . I would like to use this pot to do something like a loft extension within the next 18months.
Should I just pony up for a IFA or can a bunch of random internet bikers help me out?
(n.b mentioned numbers to help people with context not meant to come across as a dick)