If you had 10k to invest? Would you?

[Chibbin]

A) invest all in one account, I.e stocks & shares
Or
B) split it into two different accounts?

I'm not looking for investment advice, just dreaming and wondering what I would do. I can't decide, maybe 2 different S&s accounts and see how they compare?

Wwyd?

Split it into different accounts

Open an s&s isa and chose the shares I want to invest in. Which is what I have done. My portfolio is doing pretty well.

It depends if you can afford to lose some.
I'd just put it in a fixed saver where at least I know I'd be getting about 4%. But I'm quite cautious. If I was feeling wild, I might try premium bonds.

i have more than that invested and it’s split across different places. Some is in crypto (stable coin only with nexus as I’m risk averse!), some in buikding societies. Looking at putting some in gold as it’s good returns. I did a stocks and shares ISA for several years and made absolutely nothing so wouldn’t bother with that again. My partner has fun with crypto and does ok though it’s not brilliant at the moment. He still makes over £1000 off it a month usually.

One account. Your ISA.

Cash ISA - my s&s ISA (which I've had for many years) is not doing well!

Assuming this is money to invest and not actually all the money I have, I'd put it all in a stocks & shares ISA.

High risk ISA.

How long for? If for a couple of years then probably a good high-interest building society or similar account. If for 5 years plus then an index tracking ISA, tracking either EU or US stock markets.

The logic is, short term you definitely want to forgo risk for more certain returns, longer-term index trackers are generally unbeatable, but here in the UK we've decided to make our Economy less likely to grow well so pick markets with better long-term growth potential.

I have one ISA but I split it between a few different funds for diversity. For the dc’s I just use a tracker as low fees and a long investment horizon.

I’d put it in one S&S ISA - you could have two different funds if you wished. Not sure how people have managed to lose money tbh.

Depends how risk adverse you are, if so, stocks and shares may not be for you. There are lots of high interest accounts available, more so if you are prepared not to touch the capital for a year or more, interest can be paid into your current account.

You can open a stocks and shares isa and have loads of different investments within it eg global low cost index trackers, speficic country index trackers eg vanguard Japan /us. You could buy individual shares and trusts and things like Lindsell train...

I would put most in the isa and 2 grand into pb