David Neil Blake

The three aren't rival products, they're a spectrum of concentration: the whole market, a theme like AI or tech, or a single company. What each one asks of you.

The one rule that protects your tax-free status when you move an ISA, plus how transfers really work: your allowance, partial moves, switching type, and timescales.

The honest maths of a seven-figure ISA: how much a month, how many years, and why most of the million is growth rather than the money you put in.

Opening the account takes ten minutes. The decisions around it, the platform, the charges, flexible or not, and whether to transfer, are what shape what you keep.

Returns are a guess. The cost is contractual. What a fraction of a percent really takes over thirty years, and the layers most people never add up.

From April 2027 the cash you leave sitting in a stocks and shares ISA gets a flat 22% charge on its interest. Here's what the rule does, and what it doesn't.

Everyone starts with the pension and stops there. Here's what the ISA, LISA and JISA do that a pension can't, and the half of the plan most people skip.

Holding lots of things is not the same as being diversified. What actually spreads risk, the home-bias trap, and where diversification stops.

Reinvested dividends do a large share of the work, and it is easy to overlook. How the compounding actually happens, and why an ISA lets you keep all of it.

Most people invest in the wrong order, and it costs them more than they realise. Here is the sequence I follow, and why each step earns its place.