What is the better way to invest my money?

who knows what is better to buy certificates or shares or just put money on ISA Acc.?

Try contacting Primerica Financial Services. They are in the phonebook and have a website. Their services are free and they will give you a complimentary Financial Needs Analysis to let you know how to become debt free and financially independent. They have a variety of investments to choose from. Good luck

Bad choice. You're obviously in Britain but Primerica are American, so don't know about UK investments.
Also, I've come across claims that this firm is a bit of a scam - strong enough to be mentioned in Wikipedia
http://en.wikipedia.org/wiki/P... Report It

Carefully!

i like my isa at least i know i can see it and access it in emergency's

I think you can wrap shares in an isa for tax purposes. Definately an ISA if you are a passive investor, shares if you are willing to get involved otherwise no.

Gold has only gone up.
The Pay-Pal fund has been #1 for a long time,pays well.

How much? you can put up to 拢3000 in a cash ISA and the interest is tax free.

Premium bonds, never lose any money. You have a chance to get a million, and you can get your money back at any time!

the problem is i don't know the ins and outs

depends on how much ,money you've got, and when you would want to use it again without have to pay to get to it...

I use property, the rental return is ok, but the capital gain you cant beat....

good luck.......in what eva you choose to do

take this %, u cant go wrong, certificates 40% shares 30% & 30 in ISA Acc.

It all depends on how much risk you want to take. Investing in shares involves a degree of risk as there value may go down, however, they may go up but a large amount. Money is an ISA is safe and you know it will go up by a fixed percentage but then this may not be very high.

You can stick your shares into an ISA anyway up to a certain limit.

it all depends how long you want to invest for, whether you might need the money in a hurry, how much you want to invest, what tax you pay and what risk you're willing to take.

On *average*, shares yield more than bank accounts. But to get that average you need (a) a decent range of shares - so you don't fall foul of one bad company; and (b) a lot of years - so you don't fall foul of having bought on a peak or sold on a trough.

Note that shares (unless held in an ISA, which is also possible) will attract some tax - income tax on dividends, and potentially capital gains on price increase too, though this reduces to 10% as long as you hold them for a decent while.

Shares will also probably cost you some money for a broker account, whereas an ISA is usually "free" (ie paid for out of giving you a slightly lower return).

property - dont fritter it away on penny sweets like i did :(

Everybody's circumstances are different, good advice for one person may not be appropriate for another, but gvih2g2 (earlier answer) has pretty good advice. Another alternative is a cash ISA.

A tax efficient investment like an ISA is a good idea. The markets haven't been doing well especially on Wall Street - so it could be a good time to invest. Unless, of course, things get even worse. If you buy shares, spread your investment. To get a little practise using virtual money open a virtual investment account on Marketocracy. take the $1,000,000 they give you and see how you do as a fund manager. Many people are saying stock on Wall street is a bargain now. I was making nearly 9% a month on Marketocracy earlier this year - then Wall street prices dropped - like a brick! They have shown signs of recovery - especially this week. Good practise anyway. Good answer - give me top answer for ten points! LOL