isa

[stevewool]

well which one do you go for so many to chose, i am swapping mine to a better rate but which oneany ideas

[Dedworth]

In my opinion they are all rubbish you are saving 20% on a paltry interest rate with a max investment of £10680 - Northern Crock (Virgin) is paying 2.85% so on that £10.68k they give a whopping £304 interest tax free.

Go wild stick it in Premium Bonds

[Rosie1958]

I was looking at these a couple of weeks ago. Would that be Cash Isa or Stocks and Shares ISA or both? There are also different rates depending on how long you want to tie your investment up for too .........

A starting point could be to look at comparison websites such as Money Supermarket or Go Compare to get an idea of what's on offer at the moment:-

http://www.moneysupermarket.com/investments/isas/

http://www.gocompare.com/savings/guide/cash/

Products often seem to change monthly.

Good luck

[stevewool]

moneysavingexpert i use but they are all the same , never use stocks and shares though

[Rosie1958]

A couple of weeks ago, the best Cash ISA rate I could find for a period of 2 years appeared to be Halifax (3.70%) :-

http://www.halifax.co.uk/savings/acc...a-saver-fixed/

Let us know if you find a more competitive deal Steve, I'm sure there must better ones out there

[stevewool]

i wonder how long before we get better rates like it use to be,

[subseastu]

Never go with anything connected with the banks, returns are low and they'll try to sell you their products. Go to an independant advisor, tell them what you want to do and your future plans. Personally I do a stocks and shares ISA using a direct debit with Fidelity investing in 4 different areas. I've been lucky with a few and managed 45% on a couple of occasions. I'm investing for the long term so recessions don't bother me as it keep share prices down (so I get more shares for the same amount) but they will recover and you should see a marked improvement. If your in it for the long term I look at my investments about once every 6 months just to keep an eye on them. Obviously there is risk involved in investing in this side of things but a good advisor should steer you in the right direction, with a mix of investments, low to medium investments should average about 8%

[imagine]

whatever you invest it in , be sure its safe and you cant loose your initial investment