FI & Stocks/shares ISA help please

A few thoughts on the overall plan;

You can't put that much into an S&S isa - the limit is 15k a year between S&S and cash isas, however you choose.

5 years is a bit short on a timescale for investment - generally we recommend 5-7 years at a minimum so that there are enough 'good' years of growth to make up for any 'bad' years of poor growth. But given your goal of buying a house, you can likely afford to wait a few years if necessary so it might be ok.

Do you also have 6-12 months emergency funds set up ? - it'd be very risky to put ALL of your money into investments, especially when you can get 75k per banking institution guaranteed by the government. I'd certainly recommend at least maxing out high interest savings or ISAs as a risk spreading

You haven't mentioned your ages , but this looks like a 20-25 year time scale. However, if you were currently 30 - that would mean retirement starting from 55. In such a case, a private pension via your employers would give far greater growth due to the tax relief (for example, with mine at the moment, I get around 2.9 TIMES what i put into it, right away, before any growth, due to a combination of tax relief and salary sacrifice), but you would be limited to accessing it at 55, and couldn't get it earlier. But you could split your investment between the isa and the private pension(s) and still continue with your overall plan.

/r/UKPersonalFinance Thread