Making the most of ISAs

Using your ISA allowance

Individual Savings Accounts, universally known as ISAs, began life as relatively simple savings plans in 1999, but over the past 23 years the rules surrounding them have become ever more complex.

The government’s website says there are only four categories of ISA – cash ISAs, stocks and shares ISAs, innovative finance ISAs, and Lifetime ISAs – but variants exist for specific investment needs.

Our guide includes:

• What is an ISA, do how ISAs work, and ISA eligibility
• Transfers and flexibility
• Tax treatment of ISAs

How we can help

Investment is a specialist area and can only be conducted by authorised advisers. We can help you answer your questions about ISAs:

• Does an ISA make sense for you in terms of your particular needs and objectives?
• What are the advantages and disadvantages of LISAs and pensions? What is most suitable for me?
• How do I invest tax-efficiently on my investments – not just ISAs?

Looking for ethical investments? We can help with that too.

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