Is Wealthify the best ISA for an idiot like me?

[greencrosscode]

Or are there any other good similar ones?

Vanguard has a simple one. Higher minimum investment though.

which one would you think is better?

Better? Do you mean cheaper? Look at the fees charged by the platform and look at the fund fees for the fund(s) you would be using.

No-one can answer that question without far more detail about your financial circumstances.

Cash or S&S?

What's your attitude to risk and is this short/medium/long term savings?

Do you have a cash emergency fund for a few months outgoings in case of job loss and can you cover annual and irregular expenses and any planned large purchases in the next few years without borrowing?

Do you have a mortgage or other debts that would probably be best repaid before an ISA would be worthwhile?

And probably a good few other things to think about.

s&s.

wealthify calculates your attitude to risk.

If you’re not sure, have a read through this guide.
www.moneysavingexpert.com/savings/stocks-shares-isas/

thanks. it suggests wealthify, evestor & nutmeg...

Having used both Wealthify & Nutmeg, I find the Nutmeg website more intuitive. I can't comment on which is "best" or current fee comparison, but they work similarly in helping identify your risk attitude and going from there.

I’m using wealthify.
I like the fact that you are able to transfer all or part of your investments into a cash holding at any time.
I did this when I could see what was happening with the pandemic.
I was very lucky and reinvested the cash just before the announcement that the first uk vaccine had been approved.
(I don’t know if others do similar)

you can do that with any investment though, its never advised. As you said you got very lucky. Financial organisations spend billions of £ trying to time the market and fail.

It depends on what you mean by 'best' - and your investment aims.

If it's long term growth, then Wealthify's most profitable fund since it started in 2016 is the adventurous one.

Compare that to a simple low-cost global index tracker with Vanguard - the FTSE Global All Cap.

2016-2025
Wealthify cumulative returns 52.9%; Total Fees 0.76%
Vanguard global tracker returns 78.6% ; Total Fees 0.23%

Even Wealthify's most adventurous fund is still based on cautious investments compared to a global tracker - and almost four times the price in terms of fees.

There's a reason it - Wealthify aims to reduce volatility - the ups and downs of markets are smoothed over so as not to alarm novice investors. But over the longer term it will almost certainly result in poorer returns, due to lesser risk and higher fees. Some investors prefer this trade off.