Every week a Guardian Money reader submits a question, and it’s up to you to help him or her out – a selection of the best answers will appear in next Saturday’s paper.

This week’s question:

My cash Isa at Lloyds Bank pays me a miserable 0.35% interest. But if I buy shares in Lloyds Bank, they are paying dividends worth 4.7% a year. Should I get rid of my Isa and buy the shares instead? As far as I can see, the bank is safe and the dividend is safe, so it must be a no-brainer?

Do you have a problem readers could solve? Email your suggestions tomoney@theguardian.com or write to us at Money, The Guardian, Kings Place, 90 York Way, London N1 9GU