New at Investing

TH1878

Rollinghome wrote: »

Where shal I start?

You shouldn't have.

Rollinghome wrote: »

Only if you invest nothing in a cash ISA.

The last paragraph says:

"You can have both a cash ISA and a Stocks & Shares ISA in the same tax-year, but the combined maximum cannot be over £7,200. So if you invest £2,000 into a cash ISA, you can invest £5,200 into a stocks and shares ISA; you can never invest more than £3,600 into a cash ISA."

Rollinghome wrote: »

You can invest in a number of other ways including directly in shares, i.e. not just in unit trusts.

Note the careful use of the word USUALLY. As the OP didn't really know what an ISA was, is it really sensible to go into the intricate investment options?

Rollinghome wrote: »

Very few people, generally only the very careless, would pay pay capital gains tax anyway and very, very unlikely on a £15K investment.

She's paying in a further £12,000 per annum (not all into an ISA though) until she retires / expires.