Also a UK consideration which may apply in the US: in the UK, you really want to have all your savings in an ISA wrapper, because then you don't have to pay income tax on the interest.
Also a UK consideration which may apply in the US: in the UK, you really want to have all your savings in an ISA wrapper, because then you don't have to pay income tax on the interest.
if you are UK tax resident, there is no CGT on gilts, which make some low-interest-paying bonds interesting to hold outside a tax wrapper.
You really want to put shares not cash in an ISA so you also dont pay capital gains tax, and hold for the long term.