Can anyone give advice on stocks and shares ISAs?

[VictorBaucherOrSomething]

ILs have left money to my DC to be held in trust until they're 21, DCs are currently 15 and 10. DH has asked me to do something with the cash (16k each), it's currently sitting in their savings accounts earning about £20 a month in interest but could I be doing better with this cash?

Does anyone use S&S ISAs and can give advice to help me get more clued up? Should I drip feed in monthly, yearly or throw the whole lot in? I tried a calculator based on my older DC up until age 21 and it was coming out with not much more than what their bog standard cash ISA would return. Are they worth it?

We have been putting money into Junior S&S ISAs for the Gdcs, but they’ll be able to access the cash at 18. We just have to hope they’ll be sensible.
In case we’re no longer around I plan to leave them letters to say by all means blow a bit of it, but it’s an awful lot easier to spend money than to earn or save it - one day you will probably want to buy a flat or house, so you will be very glad of some cash stashed away.

Go and look at MSE, its entire ethos is money. Overall our stock and shares ISA make about 8% and has out performed our cash isa. But looking at an individual year is not the same as looking at the bigger picture it’s all about the long term with any investment. When Trump got in some posters here panicked and a couple even said they were going to shut their stocks and shares isa, these were small amounts, can’t remember exactly. We just left ours, it’s not really high risk like some investing but it very much depends on your mindset. If your going to be wringing your hands when you check and see it has gone down then regardless of what product will do better it may not be worth the stress.