Whether your money should sit in a Cash ISA, a Stocks and Shares ISA, or both depends on when you need it and what fees you are paying. Here I compare real rates, real platform charges and real outcomes over five, ten and twenty years, using my own accounts as the examples.
What this section covers
- Cash ISA rates against the best non-ISA savings rates, after tax
- What platform and fund fees cost over five, ten and twenty years
- When cash is the right answer and when it is quietly losing value
- Moving between the two without losing your allowance
- My own accounts as worked examples, mistakes included
New articles are published under Cash ISAs, Stocks and Shares ISAs and Fees and Platforms.