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Saving: Cash ISA vs S&S ISA what split do you hold?
Comments
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banksofthe_mersey wrote: »i wont no risk at all
No such thing with either saving or investments.
To answer the original post I am about 80/20 in favour of S&S. My cash ISA has a fixed rate of 3% until Sept 18 so I am happy with the split at the moment as exposure of the cash to inflation risk is limited.0 -
I'm 20% cash 80% S&S though I expect the percentage in cash to decrease over the next few years.
The cash ISA is really just a rainy day account for unexpected bills. I never get anywhere near the annual subscription limit. The S&S one is for long term investment and I haven't withdrawn from it in over 5 years.0 -
0% Cash and 0% S&S. I am holding out for the Innovative Finance ISA as the returns I'm currently receiving on peer to peer lending have far exceeded Cash (and I'm not currently prepared for the risk of S&S).
When the new ISA does launch on the 6th of April I'll be putting as much as I can in there. Perhaps that's a risk but for me the interest received on the Cash option is just too low to consider.0
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