Eyup. :)
So, yes I hope we can have general UK chat... I mean stuff like bap, barm, bread cake, roll, stottie.... its serious stuff. Wars have been started over less.
Moving on..
Personally I think the biggest issue in the UK is the regulations. The govt wont leave it alone. We had massive changes to pensions a few years ago. I expect there will be more to come in the next 5 years.
They are clearly gearing up to do something with BTL / landlords.
I am sure they will meddle with ISAs at some point as people turn to them instead.
As for me personally I went with a SIPP. I have been tempted with a S&S ISA but I don't like double exposure.
I have some money put to one side in case of a crash, I think I will go with a VLS ISA. At the moment I don't like the thought of buying at these prices so will see what happens. I am also waiting to see what happens with brexit. If nothing happens by this time next year I will use the cash to buy a second rental property.