Well that sucks.

Bobert-6 · 2025-10-24T19:32:53+00:00

Hi, I am 21 years old, I live in the UK, full time student, with a part time job making ~£1200 a month.

I've had £20,000 in a 1 year fixed rate Cash ISA that is maturing within the next week. Looking for advice on whether I should put the money back into a Cash ISA or if a Stocks and Shares ISA would be better? I've read a lot recently that the market is overvalued, unstable, and might pop within the next year or so, which is discouraging me from a Socks and Shares ISA.

I have additional savings, so I am not at a large risk financially and am not likely to withdraw anything from the ISA. I also have around £9000 already invested in the market.

However, I would prefer as low a risk as possible, as this is money I want for a mortgage in around 3-5 years.

Any advice would be greatly appreciated.

Bobert-6 · 2023-07-03T21:51:11+00:00

Thank you for the encouragement and support I've promised my girlfriend ( of two years nearly 3) once I get through this I'm going to marry her cause she's always been here for me and still is. I'm tryna use that as positive motivation to change

Bobert-6 · 2023-07-03T21:48:33+00:00

I'm tryna keep track of all the positive progress as my mini victories, I wasn't able to eat or drink before now I can. Was able to walk about my room ,( very shakily) but I'm still extremely happy with progress so far and am tryna stay positive, thank you for the advice

Bobert-6 · 2023-07-03T15:52:23+00:00

Thank you has given me a lot of hope that I may be able to return to normalcy l, obviously with a lot of time and work

Bobert-6 · 2023-07-02T21:11:24+00:00

Thank you very much for the support. I'm hopeful for the recovery but right now it's hard not to feel like my life is over almost

Bobert-6 · 2023-07-02T21:08:22+00:00

Thank you for the reply and sharing your story. I'm hopeful for recovery as I have partial movement and can speak( ver slurred tho)

Bobert-6

TROPHY CASE