Preserve Capital: 60/30/10 Split Portfolio
Preserve capital and liquidity with a 60/30/10 split: 60% Cash ISA, 30% Premium Bonds, 10% Stocks & Shares ISA. Rebalance to use your ISA allowance.
Practical guides, comparisons, and strategies to help UK savers make informed decisions, plan savings goals, and understand tax and legal implications
Clear explanations for choosing between ISAs, Premium Bonds and other low-risk places for your savings.
Compare Cash ISAs, Stocks and Shares ISAs, and Lifetime ISAs against your savings goal. See how annual allowances, access rules and tax treatment can shape a decision.
Understand how Premium Bonds work, from prize draws and withdrawal times to the role of NS&I. Learn why returns differ between holders even with the same balance.
Match your savings home to a house deposit, emergency fund, retirement plan or planned purchase. Practical timelines help separate money needed soon from money that can stay put.
Read plain-English guides to ISA allowances, Personal Savings Allowance rules and inheritance treatment. Each guide highlights where individual circumstances may require regulated advice.
Find the most recent and relevant articles
Preserve capital and liquidity with a 60/30/10 split: 60% Cash ISA, 30% Premium Bonds, 10% Stocks & Shares ISA. Rebalance to use your ISA allowance.
Need clear facts on NS&I Premium Bonds limits and prizes? Learn odds, the £50,000 rule, how to buy and claim, plus an ISA comparison.
Guide for UK Armed Forces to keep ISAs & Premium Bonds abroad - residency rules, NS&I payments, tax implications and key steps to follow.
High earners: prioritise pension relief, use ISAs and Premium Bonds for tax-efficient growth or short-term liquidity. Read our guide.
Should retirement savers 55 plus use ISAs or Premium Bonds? Clear steps to protect cash, reduce tax and plan withdrawals.
If saving for a child’s education in England, compare Junior ISAs and Premium Bonds; Junior ISA limit £9,000 (2024) and FSCS protects £85,000.
Clear choice for grandparents: this guide compares Junior ISA and Premium Bonds for student‑age gifts, with 5/10/18‑year projections and gifting steps.
Should you cash Premium Bonds now or move money into an ISA before the tax‑year end? Clear steps and timing to protect your allowance.
Premium Bonds feel like a tax-free lottery: mean return low, median often ≈0%. Compare expected-value for £1k–£50k and ISA discipline.
Practical research notes from people weighing up their next savings move.
"Could I keep an emergency pot accessible while still using my ISA allowance? The cash-access comparison gave me a straightforward way to split the two."
"I had assumed every Premium Bond holder received roughly the same return... The prize-rate explanation showed why my small holding behaved differently."
"Before reading the Lifetime ISA withdrawal guide, I was close to using mine for the wrong goal — now I have a clearer plan for my first-home deposit!"
Straight answers to the questions UK savers most often ask before moving money.
Explore practical comparisons before deciding where your next savings contribution should go. Start with the rules, then match them to your own timeframe.