What to do when you fill your S&S ISA in the UK in 2026?

According to FT Adviser 2.5 million were able to fill their ISAs (both cash and stocks and shares) in the tax year to April 2023. So What do you do when you have filled your ISA? Pre-requisites Lets assume those able to fill their ISAs and realise the tax free allowances are savvy enough to have the pre-requisites sorted. But just in case good financial management basics are to have a cash buffer as an emergency fund - depending on your risk appetite between 3-12 months expenses. Some people might choose 3 months of critical expenditure - the mortgage, council tax, food, electric and gas as everything else can be cancelled. Some might choose 3 months of total expenditure, including all the bells and whistles. Some choose longer if they feel like their job is a risk, or they know they are running an older car that is making odd noises. You do you. The thing with cash is that it gets eaten by inflation. So it’s best to find the highest savings rate possible, to offset inflation as much…

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