difficult to get the balance right ?

clean_cotton

Thank you again everyone. 

I have decided to stop purchasing gold. In hindsight, its too risky and I rushed into it, without doing enough research. But I suppose a few mistakes are inevitable. 

I have researched stocks and Shares ISA and think that this is a good way forward, so have started investing £250 per month in that, plus keeping the £240 into my pension and the extra contribution into the teachers pension (which is approx £350 per month).

dingling68

What an interesting thread and thank you to all that shared such great advice. I've learnt a lot so thanks to OP for their post :-)