Investing in stocks and shares isn’t for everybody. But history shows it can provide a superior long-term return than leaving money in cash, albeit with more volatility along the way.

Time is short for those who want to use this year’s stocks and shares Isa allowance, as the deadline is midnight on Friday, April 5. That’s just over one week away.

The Isa allowance is issued on “use it or lose it” basis, so anybody who misses the deadline has lost this year’s for good.

However, they get a…