Is an S&S ISA nearly always a better option than a Cash ISA?

[MoveThatTree]

I have a small S&S ISA and a small cash one. I've put in about £1.5k into each for 6 years.

My S&S has done MUCH better every year - even the year when I got 7.5% rate for the cash one.

Is this pretty much always the case? It's a long term investment for me so I'm wondering if the continued split is worth it or if I should just put £3k in S&S?

I don't self-manage the ISA - it's just a global tracker.

Yeah, if it is a long term investment, you don't need to withdraw your money and you can weather there storms of times when it might go down then I'd say so

I am not an expert, but I believe over the longer term, i. e. greater than 5 years s&s always have outperformed cash.

Yeah put it all in stocks and shares.

I only have a small cash ISA now and 20x that in s&s

In the long term, yes.

I’ve had cash ISAs before and only made small amounts in interest.
I transferred everything to a Vanguard S&S ISA three years ago fully invested in an ETF fund that tracks the S&P500.. as I write, the return on my money is 67%- a profit of nearly £48k! 😮
I wish I’d done this twenty years ago.

If you are investing long term and have diversified, so not just in one sector, then yes it should do. The risk is there is a much higher chance of losing money in the short term. Also, if you don't spread money and pick a bad sector, it can lose a lot and never regain. Just ask anyone who invested with the Neil Woodford fund, or in Russia before they invaded Ukraine. I have some in both because of short term and long term goals.

As everyone else has said, yes.
Invest for the long term, at least 5 years and don't touch it.
Cash ISA useful for emergency funds

I also have a nutmeg S&S ISA - the long term fees are high, mine are projected to be 9.5% over 20years. Is that average?

Thanks! So doesn’t that mean that projected cumulative fees of over 9% over 20years is way too high? I appreciate that’s how they make money for themselves but I’m a complete beginner at this!

Cash easy ISA for your emergency fund.

S&S ISA for investment beyond 5 years.

Which fund is yours invested in.

Thanks