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Stocks n Shares ISA

We ( my wife and I ) are about to invest an inheritance of £440k with a local
FCA approved financial advisory company.



Question on ISA's

We currently have £80k in fixed rate ISA's and looking to utilise another £40k making £120k between us.

The adviser will use AJ Bell and is suggesting we plough all the £120k into Stocks and Shares ISA, rather than fixed rates.

Is now the right time to go via S and S, rather than fixed rates???
 

Rammstein said:
We ( my wife and I ) are about to invest an inheritance of £440k with a local
FCA approved financial advisory company.



Question on ISA's

We currently have £80k in fixed rate ISA's and looking to utilise another £40k making £120k between us.

The adviser will use AJ Bell and is suggesting we plough all the £120k into Stocks and Shares ISA, rather than fixed rates.

Is now the right time to go via S and S, rather than fixed rates???
Click to expand...
Strange question to ask after getting advice to be honest.
 
Rammstein said:
We ( my wife and I ) are about to invest an inheritance of £440k with a local
FCA approved financial advisory company.



Question on ISA's

We currently have £80k in fixed rate ISA's and looking to utilise another £40k making £120k between us.

The adviser will use AJ Bell and is suggesting we plough all the £120k into Stocks and Shares ISA, rather than fixed rates.

Is now the right time to go via S and S, rather than fixed rates???
Click to expand...

Depends mostly when you would might need access to the money and what other savings you have.

Always wise to have a emergency cash fund of around 6 months living costs in case either of you (or even both) lose jobs, cannot work or household emergency expenses.
 
Darlo1973 said:
Depends mostly when you would might need access to the money and what other savings you have.

Always wise to have a emergency cash fund of around 6 months living costs in case either of you (or even both) lose jobs, cannot work or household emergency expenses.
Click to expand...

Thanks. We don't need the money right now, as we have a decent income, no mortgage, no debts etc.

I'm retired ( 73 ) with a decent drawdown pension plus government pension. My better half ( 12 years younger ) has a small income, which covers all our needs and gives us two holidays a year.

We've put aside a £25k ' slush fund ' on a ' just in case ' basis.

We're not averse to S and S ISA, but the current market state has made us question it.
 
Rammstein said:
Thanks. We don't need the money right now, as we have a decent income, no mortgage, no debts etc.

I'm retired ( 73 ) with a decent drawdown pension plus government pension. My better half ( 12 years younger ) has a small income, which covers all our needs and gives us two holidays a year.

We've put aside a £25k ' slush fund ' on a ' just in case ' basis.

We're not averse to S and S ISA, but the current market state has made us question it.
Click to expand...




No disrespect but at your age I’d be looking at gifting it to your children if you have any as there are IHT issues at that level of wealth.
 
Matt Hopkins said:
Strange question to ask after getting advice to be honest.
Click to expand...

I genuinely appreciate the earlier advice, and it's helped move us along a bit with some of the advice given. However, we're not as financially savvy as many on this thread, hence we're going to use an adviser. No way could I consider doing it myself, it's beyond me.

Everything is pretty much lined up, the big concern is do we opt for S and S or fixed ISA's. The balance of monies ( £300k ) is settled as to how it will be invested. It's just concerning me as to where to place the £140k in ISA's.

Sorry if I seem like I ignored any advice given, it's not the case, but the fact is I'm in myv mid 70's and my health hasn't been the best the last few years ( kidney stones operation and a prostatectomy last year,... and gall bladder removed a few years back ) My wife is a fair bit younger and this windfall inheritance is a one off opportunity to secure her financial future once I'm gone.
 
The idea behind investing in S&S is that they give better returns than an interest bearing account over a long period of time, i.e. minimum of 5 years but the longer the better AND you're not planning on touching the funds in that time. I'd suggest that, given the age difference, the S&S option that's been recommended to you is more for your wife's benefit.
 
David M said:
The idea behind investing in S&S is that they give better returns than an interest bearing account over a long period of time, i.e. minimum of 5 years but the longer the better AND you're not planning on touching the funds in that time. I'd suggest that, given the age difference, the S&S option that's been recommended to you is more for your wife's benefit.
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Thank you. I've spoken to a couple of friends and also picked brains on MSE, the consensus is to go via the S&S route since we don't need to access the money short term. I was just a bag of nerves as it's to provide for my wife.

Much appreciated.
 
David M said:
The idea behind investing in S&S is that they give better returns than an interest bearing account over a long period of time, i.e. minimum of 5 years but the longer the better AND you're not planning on touching the funds in that time. I'd suggest that, given the age difference, the S&S option that's been recommended to you is more for your wife's benefit.
Click to expand...
I think that upon death the wife can take possession / inherit the ISA without losing the ISA wrapper, please take advice on this point. If this is correct then this will effectively provide for the wife and its probably why its been recommend.
 
Saw on a video today someone put $1.5 billion into the stock market the other day, 5 minuites before Trump made an announcement and the stocks shot up.

Pure market manipulation.

"Unusual trading activity occurred on Monday, March 23, 2026, where a massive, unidentified entity purchased $1.5 billion in S&P 500 futures and sold hundreds of millions in oil futures just 5 to 15 minutes before President Trump announced a pause on strikes against Iranian energy infrastructure. The trades, which occurred around 6:50 a.m. New York time, were significantly larger than normal market volume and directly profited from the market reaction to the announcement, which sent stocks higher and oil prices plunging."
 
Last edited:
32nd of December said:
Saw on a video today someone put $1.5 billion into the stock market the other day, 5 minuites before Trump made an announcement and the stocks shot up.

Pure market manipulation.

"Unusual trading activity occurred on Monday, March 23, 2026, where a massive, unidentified entity purchased $1.5 billion in S&P 500 futures and sold hundreds of millions in oil futures just 5 to 15 minutes before President Trump announced a pause on strikes against Iranian energy infrastructure. The trades, which occurred around 6:50 a.m. New York time, were significantly larger than normal market volume and directly profited from the market reaction to the announcement, which sent stocks higher and oil prices plunging."
Click to expand...

Nice to have $1.5bn laying around for moments like this.
 
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