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

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, 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 those options. Plus, given the Chancellor’s recent announcement that cash Isa limits will be reduced in order to encourage more people to invest, we explain the basics of using a stocks and shares Isa. Read our reviews of the best stocks and shares Isa providers (https://www.which.co.uk/money/investing/stocks-and-shares-isas/finding-the-best-stocks-and-shares-isa-amK9w1r4F6R1) & sign up for our free weekly Money newsletter (https://signup.which.co.uk/wlp-money-newsletter) Get in touch with us via email - podcasts@which.co.uk Podcast listeners can get 50% off an annual Which? membership (https://which.co.uk/podcastoffer) Become a Which? Money member (https://signup.which.co.uk/wlp-money?internalReferral=Money_editors) to access 1-to-1 guidance - get 25% off your first year's membership. Offer ends 8th January 2026