Buying a stocks and shares ISA is not as simple as buying a cash ISA, in that instance it is really access and interest rate which is relevant. Buying a stocks and shares ISA is not like putting money on a horse, there is no out-and-out winner. When you buy a stocks and shares ISA  you need to consider how much risk you want to take, whether you want income or growth, how long you may tie up your money and your existing investments. So, as you can see there is no easy answer and you need advice before making this decision