Isa's

[LauraFaye88]

Is there anyone who regrets investing their money in a stocks and shares Isa. Thank you.

No, why?

Just wondering if it is worth doing?

I regret not getting my son's money out of his stocks and shares Child Trust Fund before Trump got involved in Tariffs. We literally watched the £££ slip away on the run up to his 18th birthday when he could withdraw it.

On the whole yes, it is worth doing . It is a long term investment absolute minimum of 5 year but ideally 10, 20 or more. Don't panic in market dips as it always comes back up.

Yes to this. If my son didn't need his money out and could leave it in for longer it would have come back up eventually. If you are risk averse or may need the money anytime soon then go for cash not stocks and shares.

I mean, you can leave it in there for another few years?

Also didn't you see it whittle away during the GFC and grow again?

Well of course you can but if you need the money for something then you can't. If you read my subsequent post you would see I've covered this.

It’s worth doing if you’ve got money to save for the long term. First priority is pension, at least enough to get maximum employer matching contributions.
S&S historically do better over the long term but if you may need the money at some point not totally within your control (eg for a house deposit) then cash ISA might be safer, I guess.