I’m hoping to buy my first flat this year after years of saving. To prepare for this, I’m doing lots of things that will not be allowed from April 2027.
Having held most of my savings in stocks and shares ISAs for the past few years – to deliver the best growth possible – I’ve recently moved most of what I have into cash.
This was roughly 11 years of savings, and for the past couple of years of investing the returns have been over 8 per cent annually – more than double what I’d have received if I’d saved it.
Shorts
But the stock market is volatile – especially at the moment with warnings of an AI bubble about to potentially burst.
