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After choosing an ISA and a platform, most beginners hit the same wall: What should I actually invest in? This is where people start overcomplicating things. They think they need expert knowledge. They start looking at individual companies. They chase last year’s winners. But for most first-time investors in the UK, broad funds inside a Stocks & Shares ISA can do the heavy lifting. One fund can hold hundreds or even thousands of companies, spreading risk automatically and reducing the pressure t
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