Can’t be arsed reading? Watch this instead.
What you decide to invest in is entirely up to you, and what’s right for you will be different for each person. What you need is a goal for your money and a definite action plan so you know where and how to invest to hit your target.
Personally, I like a simple Stocks and Shares ISA for most of my investing. £20k a year is a decent chunk to be saving, the rest of my money I tend to put into property.
I will probably / possibly start using part of my allocation for a LISA to save for my retirement. I don’t qualify as a first-time buyer, but £4k a year I can save confident in the knowledge I can leave it untouched for a few decades.
I already have an emergency fund of cash saved up, so I’m not arsed about having a cash ISA, and I’ve been burnt by Peer to Peer lending before, so I’m a bit biased against them nowadays. Probably unnecessarily, but whatever.