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The Guardian - UK
The Guardian - UK
Business
Jill Insley

Live clinic: Isa savings

£10 notes in a back pocket
The deadline for the annual ISA allowance is approaching. Photograph: David Sillitoe

We're just five-and-a-half weeks from the end of the 2010/11 tax year and the deadline for the current ISA allowance.

If you still want to use your allowance it's time to start thinking about where to invest your money. Banks and building societies have started to bring out this seasons offerings – but should you opt for a higher fixed rate or a slightly lower but more flexible variable rate?

And if you are tempted to put your money into the stock markets – where? The UK, where we are still going through an economic crisis? The US, which finally seems to be pulling through thanks to continued support from its government? Or China, an amazing past performer, but how long can that continue?

Post your questions to our expert panel of Danny Cox from independent financial advisers Hargreaves Lansdown, Andrew Hagger of product comparison website Moneynet.co.uk, and Martin Bamford of chartered financial planners Informed Choice. They will be online at 12.30pm on Tuesday to answer your queries.

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