Individual Savings Accounts (ISAs)

Introduction > > ISAs

These are tax efficient investment vehicles.

It is important to understand that they are all different. They can range from the most speculative of shares in emerging economy stock markets, to cash in the Bank.

However the Government favours the use of ISAs for equity based investments (stocks and shares), (hence the lower limit for Cash ISAs).

The aim when using ISAs is to move your investments from a taxed environment into a more tax efficient environment, and to ensure that new investment funds are invested, from the outset, in a way that minimises tax.

Investment Limits

£10,200, of which up to £5,100 can be saved in a Cash ISA.

Historic Notes (pre April 2008 ISAs and PEPS).

Any existing pre-April 2008 ISA is now just an ISA, and any PEP is now an ISA.

Last updated on April 7, 2010

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