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Discuss investments with other users on our Investment forum. For more advice read our tips for saving for your child's future.

Best S &S Isa

30 replies

Serasar · 25/11/2025 18:41

I’m looking to put £20,000 into an s&s isa. I need it to be one that I just deposit the money, forget about it for 10 years or so and then add to it next April.

I am not very good at buying stocks etc. I put £100 into Trading 212 and didn’t have a clue what I was doing! A poster did suggest AJ Bell Dodl? It needs to be very simple! One more question- because of this £100 in T212, does that mean I can only put in £19,900? Thank you for any help

OP posts:
Hitchens · 01/12/2025 13:37

AmberFawn · 27/11/2025 14:37

But you get what you pay for though, Trading 212 is free for a reason. If you’ve never hit a problem it’s great, but there are issues with the platform that have been widely reported.
Someone just starting out who has no idea about S&S and doesn’t want to actively manage their own portfolio, another company who charge may be a better fit.
Hopefully the OP will feel better informed now anyway, even if they don’t think my suggestion is right for them.

Nonsense. It isn't free because it has poor customer service, its free because they make most of their money from the CFD part of their business

Bucks67 · 01/12/2025 18:19

I use AJ Bell, Fidelity, Vanguard and Trading 212.
Vanguard is the most frustrating one of the 4 very slow at everything. AJ Bell are very efficient and have very responsive customer service, costs are similar to Fidelity but I would give AJ Bell the edge. 212s Pie feature is brilliant though make investing in multiple ETFs very simple.

Bucks67 · 01/12/2025 18:35

Something that might help you get going is to feed your money in over several months. We are according to the experts (when have they ever been wrong?) nearing the last stages of the AI Bubble that's been inflating over the last 3 years. If AI fails to deliver profits to match the immense spending going on then the stock market could correct pretty violently, but nobody knows when/if this will happen.
If you invest in a Global Tracker/S&P Tracker you will be heavy exposed to this bubble. I would definitely recommend doing a good bit of research before you commit and if you go stocks only be comfortable with possibility of a 40% drawdown at some point.

CaveMum · 03/12/2025 16:52

Take a look at Rebel Finance - they have a free course on YouTube which takes you through all the steps of investing. Their main focus is getting financial independence and retiring early (FIRE) but their advice is good for general investing too.

https://rebeldonegans.com/finance/rfs/

Rebel Finance School - Rebel Donegans

Rebel Finance School is a free 10 week course designed to help you take control of your finances. Get out of debt, develop a positive money mindset and start investing for your financial independence!

https://rebeldonegans.com/finance/rfs/

Ineffable23 · 03/12/2025 16:56

I use Vanguard and spread my investments into a mixture of low cost index trackers. It's very low in terms of fees. Have a read of Mr Money Mustache.

I go for a mixture of all world, European, FTSE 100 and S&P500.

I invest every month because I want some chance of buying in dips across the year (I think it's called dollar cost averaging) but that works for me because it fits with my monthly income.

The usual phrase is "it's time in the market not timing the market that counts".

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