Stock ISAs

Hi,

Stocks & shares are always risky. It's a volatile market. That's why you can make huge gains…but also huge losses.

You can have a 'managed' account, where someone else chooses what to invest in each time. Or you can have a DIY account where you make the decisions, but have access to a financial advisor who tells you what looks like the best option at the time. You may have to pay for the advice each time, depending on which provider you choose.

As above though, there is no certainty in this, even the experts can get it wrong, so think carefully about whether that's a risk you're willing to take.

Also question whether you need an ISA at all. The only benefit of them is being tax free, but most of us on here will be below the savings threshold for paying tax anyway. If you get any means tested benefits, ISA's are not disregarded as capital.