Is a stocks and shares isa a good investment over the next 12 months?

i have some cash that i can invest as a lump sum or as a monthly investment.is a stocks and shares a good idea at this time.if so would it be better to invest all at once or as a monthly deposit|||Depends on a number of factors - risk level, tax situation, how long for, etc. Monthly payments into an ISA Fund would be less risky than direct share purchasing, and no tax deducted. There are no guarantees, but it can be rewarding, if you choose right. You should not invest what you cannot afford to loose.|||Depends a little if you can take risks or not and who controls the portfolio.If you go down the stocks route study the providers find one that has a good record and a spread portfolio,even after that you can never be sure.There are some E- Isas that return about 3 pc with reasonable withdrawal facilities,again search the market to find a financially strong company or Mutual.Pay in a lump sum as this will provide interest on all the money from day one.|||With the economy as it is i wouldn't bother, just lock it away in a high interest savings account where you can't touch it for as many years as you choose and watch the interest mount up, that way it is safe and you are not going to loose it all.|||Investing in stock and shares are really high risk. I suggest you invest in property or gold because rate are increasing day by day.|||Best thing is to put all your money into one investment.