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Even in normal times, the thought of staking your money on the stock market can seem like a very daunting prospect.
And after a particularly dramatic year, savers will be forgiven for feeling a lot more wary than usual.
Yet data shows that, over the long term, a well-diversified investment portfolio easily beats a standard savings account.
Learn to invest: Data shows that, over the long term, a well-diversified investment portfolio easily beats a standard savings account
But where should savers even begin when it comes to investing in the markets?
For the vast majority of investors the best place to start is a stocks and shares Isa. First introduced in 1999, these function very much like their cash alternative: a tax-free wrapper to protect your savings.