John and Judy
John and Judy are in their late 50s, both in full-time employment and have always put a bit aside for their future. They have some money in ISAs, some savings and have bought some shares offered up as part of various Government privatisations. They are keen to pull their investments together into one place and ensure they are well-placed for their retirement. They don’t want to learn about the stock market and are cautious investors.
John and Judy currently have £70,000 in ISAs, £20,000 savings (which they want to leave untouched for a rainy day) and £30,000 in general investments. So that’s £100,000 to invest. Around £30,000 is in stocks and shares, but they don’t want to trade. In the future, they plan to invest £20,000 annually, into ISAs.
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John and Judy are cautious investors and while they like to manage their own investments, they consider themselves to be relatively inexperienced. As well as a cost-effective platform, they would like a platform that gives them plenty of research, guides and recommended lists. Although it is considerably more expensive than the Halifax service, the Share Centre is probably best suited to their needs.