Shares ISA or managed service?

gkerr4

personally i'd lower the bonds allocation - they offer a defined return, but its usually quite low. It doesn't always help balance the risk 'that' well either!

in it for 10 years, willingness to learn and read - risk tolerance is key though - but i still think if you have an appetite for risk then learn about individual stocks. Its not that hard and discipline is as important as understanding.

pip895

Agree with the others I would open an isa with a someone like Charles Stanley (give them a call and they will talk you through it) - its very simple. I would then invest in something like Vanguard Life strategy probably the 80 or 100% one as you have a good timescale and will be adding in over time + bonds are bad value at the moment. This will give you flexibility to move into other investments over time if you decide to branch out, without facing any hefty initial charges.