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can i pay into a stocks & shares lisa as well as a regular s&s isa?
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yes, this is fine: you can save up to £20,000 in one type of account or split the   allowance across some or all of the other types. you can only pay £4,000 into your lifetime isa in a tax year ... example   you could save £11,000 in a cash isa, £2,000 in a stocks and shares isa, £3,000 in an innovative finance isa and £4,000 in a   lifetime isa in one tax year. https://www.gov.uk/individual-savings-accounts/how-isas-work you might want to consider whether it is wise to be fully invested in shares. if you're going to have to dip into them for things like holidays and a car, you're taking a risk that you might have to sell when the market is low. as a basic rate taxpayer, you have a £1 000 personal savings allowance. you don't need to chase the tax break with a cash isa, which often have poor rates. however, you should consider keeping some of your savings in cash, for example in a current account that pays decent interest on the balance.
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