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Stocks and Shares ISA
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Both have their place and it depends on what you want the lifetime ISA for and your time horizon.


e.g. if you’re using it on a first home in the next few years - cash is probably the better choice as a S&S ISA risks being down when you need the money for a deposit. 


if this is just for retirement and you’re using the LISA to get the government bonus - a stocks and shares Lisa is better as it will on average return more over the long term and protects against inflation 




@Becca4 This really depends on your timeframe, the level of risk you're willing to take, and your goals (saving for a house or retirement).

Savings (cash LISA) is usually best if you know you'll want the money in a shorter time period, say less than 3/5 years. There's no risk to losing money with savings as you're given interest from the bank as your return.

Investing (S&S LISA) is usually for longer term plans, like minimum 5 years. If you invest money today and you want to buy a house next year, the market may be down over the next... (More)

Graduate Analyst at a Bank

I use both. 

S&S ISA for the flexibility - I can withdraw my money anytime. 

SIPP so I have more control over what I invest in compared to a standard pension.

Percentage-wise, I put more money in the stocks & shares ISA.