Are you looking for Growth or Income from your investments?
Do you feel your investments are not growing or providing you with an income you want? Could they be performing better?
Are you worried about inflation eroding your savings?
Fixed savings in the long term will be eroded by inflation as it could rise above the interest you are earning on your savings.
Are you making full use of your tax allowance?
The tax efficient wrapper means there is no income tax to pay on any interest you make or capital gains tax on any profit made on investments.