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Just starting, completely overwhelmed by options...
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The reason people say to start with Cahs ISAs (despite the rates) is you need an emergency cash fund. For purchases, emergencies. So you are forced to sell investments that may currently be showing a loss.
So do open the cash isa first. Then look at investing in funds. Later, look at shares.
Plus, you can always transfer a cash ISA in to an S&S ISA at a later date if your circumstances mean that's the best option (note: you can't transfer S&S ISA back to cash ISA though)0
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