RichM Problem is a lot of ftse aren’t businesses based here and you buy into etfs it’s generally the top s&p companies, so I don’t see where the growth is.
The isa is worry free no effort and 85k covered by government but if they do go ahead with proposal you can just leave cash uninvested in trading 212 and it’s still making 4.5%.
Ftse All World ETF is pretty good there’s a 3% div and you generally get 14%-18% gain per year unless there is a crash like 2022 which saw a 17% drop but was only 2 years off drops out of last 10. So I’d say generally if you leave it 8 to 10 years you should see 100% gain.
I’m sure banks do well out of isa’s though and it’s good for securing jobs, along with public able to make close to a grand a year extra with current rates. So to sack that and target retail investing is a risk.
