Yeah, you've gotta really commit to it.

Absolutely.

Then there's a junior ISA, which, as it says on the tin, is for children's savings.

And lastly, an innovative finance ISA, which is difficult sometimes to say.

[laughs] Um, but that's more of a niche product, and it's peer-to-peer lending that comes with a higher risk.

So quite a lot of choice, I would say.

And I think to your first question really, how do you choose between all of that? It's a personal decision, but I think really you start off with thinking, "What are you saving for? What are your savings goals? Over what time horizon? When do you want access to your money? And how flexible do you want that accessibility to be? And what kind of risk do you want to take? Is it zero risk, or is it higher risk?"

Mm.