Which part are you talking about ? Fair enough stock ISA can lose money (as I said) but the bonds I was talking about are guaranteed to return a healthy amount in my case in 2017
Wtf. Please don't do that. Not without taking advice. That's a very specialist product with many cons depending on your circumstances.
Second the ISA front. Also, a long term bond, which you could buy with money saved from an ISA after 2 years or so (ie - put 500 quid in an ISA day 1, then 2 years use £850 to buy a 6/8/10 year bond that pays out 30%)
Trick is to keep the investments rolling, every 2 years take out a new product so pay offs are staggered also IMO
Without suggesting this as advice for anyone, priority 1 before you do anything is usually to make sure you have rainy day funds. Then consider paying down debt, as depending on rates they may outstrip your investments - mortgage will be the main debt for most of course. If you want to then look at long term investments (10+ years) , a personal pension is generally being the most efficient wrapper due to the tax advantages enhancing your contributions, though of course that's because it's intended as a pot you can't withdraw until retirement. An ISA is next most tax efficient wrapper, as you aren't taxed on capital gains (but are taxed on equity dividends), but relative to a pension you do have more immediate access if needed (though that's what the rainy day funds are for remember...). Within either wrapper you have the choice of how to invest, from cash equivalents (low risk/return) to fixed interest to shares in tiny tech startups like 3D printing companies (high risk/return), or even 30% return bonds you read about on Eurogamer.
The only advice I can give is to do some reading and research of you own. If it seems a little boring, think of it as something that will basically determine the quality of your and your family's life.
Of course clearing debts is important too in the first instance, but I like to spread investments and see this as another part of it