Like element said quitefrankly you need to do your homework if you do you will follow your heart and head only you can make the correct decisions but if you do your homework you would already know the answers to your questions all the best .
I think theres another 6 people where i work that have bought in ive told them all to hold long term but you know what happens when people start making money fomo kicks in theres over 500 people at work lol .
Totally agree sam but like someone said the other day if you have any spare cash and you have maxed your isa buy in your invest account then april move over to isa account the you accrue any increase .