Should you invest your spare cash into a stocks and shares Isa?

We outline the basics of investing tax-free
James RoweSenior Video and Audio Content Creator

Having previously worked at the BBC and in commercial radio before joining Which?, James produces our always-on podcasts, and oversaw the launch of our member-exclusive podcasts in 2025.

There are three main options for what to do with your spare cash (apart from spending it). Should you save it? Invest it? Or overpay your mortgage?

In this episode of the Which? Money podcast, we’re joined by Which? senior data journalist Josh Wilson and Tom Selby, director of public policy at AJ Bell to explore the pros and cons of these options.

Plus, given the Chancellor Rachel Reeves’s recent announcement that cash Isa limits will be reduced to encourage more people to invest, we explain the basics of using a stocks and shares Isa.

Click to download a transcript of this podcast.

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