Top Financial Adviser Tips: Building Rainy-Day Fund and Maximising ISAs

Top Financial Adviser Tips: Building Rainy-Day Fund and Maximising ISAs

Financial advisers surveyed by the Guardian advise UK readers to maintain a rainy‑day fund (at least three months’ expenses), save regularly—even small amounts—and shop around for the best interest rates, moving funds when promotions expire.
They stress that savings should be held in FSCS‑protected accounts, that tax‑efficient allowances like ISAs and pensions should be fully used, and investments should be diversified with a cautious approach.
Additional practices include regular account audits, setting clear goals, prioritising high‑interest debts, and finding accountability partners.
This holistic approach aims to strengthen UK households’ financial resilience in uncertain times.

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