I've been in the army a year now and have just finished my phase 2 and I have been promoted to the dizzying heights of Lance Jack on the higher pay band. Going to my first unit in January and the worlds my oyster! However, Not to brag but I have next to no out goings and was living comfortably on my 1000 a month never mind the 1300 or so I'll be getting when my pay catches up. I have no intention of pissing this money away, however I have no idea what to do with it I've been told an ISA is next to useless right now and when I went to see a financial advisor from the bank of scotland (my bank) he kept insisting that "low risk" investments were the thing for me. I know very little about money and investments and I'm very aware that the he was most likely looking out for his banks interests and not mine. Any advice for a highly confused Lance Crowpal would be appreciated!