Investment/Savings

[GarethGTT]

Hi,

I have between 4 and 5 hundred pounds a month to invest into some form of savings, i dont need to access this money at short notice and i need to have acrued £190,000 after 23 years (mortgage)
has anyone any suggestions on where to save this money or what to invest in?
I was thinking a stocks and shares Isa, the idea being that the stock market in my opinion has pretty much gone down as far as it is going to go so now may be a good time to get in there.

[Burba]

in my opinion purely, do what i did - tracker (base + <1%) on a offset mortgage.

then, when you overpay your mortgage into your 'savings account' - these are offset against your mortgage interest, meaning you pay it back quicker.

obviously, you forego any interest on the extra 'savings account' capital.

sorry, was that even clear

[Calculator]

Any reccommendations for a stocks and shares ISA?