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Accounts explained

Investment ISA

An investment ISA is a great account to start investing with. You can pay in up to £20,000 in the 2018-19 tax year and your returns will be free of income tax, tax on dividends and capital gains tax (CGT) making it one of the most tax efficient ways to invest. What’s more, there is a huge choice of what you can invest in and you can keep some of your money in cash. This makes investment ISAs incredibly versatile.

Important information

ISA tax rules can change. The value to you of any favourable tax treatment will depend on your individual circumstances. If you invest outside an ISA, you have several tax-free allowances, including the CGT annual allowance, and dividend allowance. Remember, investments held in an ISA can fall in value just like any others. You may get back less than you invest.


What is an investment ISA?

Investing for the first time? An investment (or stocks and shares) Individual Savings Account (ISA) may be a great place to get started. Here’s why.


ISA rules explained

Individual Savings Accounts (ISAs) are bigger and better than they’ve ever been thanks to generous investment allowances, greater flexibility and choice. Here’s your essential round-up of the ISA rules so you can make the most of your full allowance.


Finding investments for my investment ISA

Building up your own investment portfolio in a stocks and shares Individual Savings Account (ISA) can be an exciting prospect. This essential guide will get you started.


Transferring ISAs

There are a number of reasons why transferring your Individual Savings Account (ISA) could stand you and your investments in good stead.


ISAs are more flexible than ever

Saving into a tax-efficient ISA is even more appealing now some providers are offering greater flexibility on these accounts. We explain how flexible ISA rules work, and how they could benefit you.


What can I hold in an ISA?

An ISA is a tax-efficient wrapper in which you can hold cash, investments or peer-to-peer lending products. This is what you need to know to help you choose the right ISA or combination of ISAs for you. Remember that tax rules can change in future and their effects on you will depend on your individual circumstances.


Five ISA myths exposed

Many people don’t make the most of their annual ISA allowance because they aren’t sure exactly how ISAs work, or because they don’t think the benefits are really worth it. Here, we dispel five of the most common ISA myths that might be preventing you from making the most of this year’s £20,000 allowance before the end of the tax year on 5 April.

Understanding ISAs

Find out how Individual Savings Accounts (ISAs) work and understand the differences between cash, investment, innovative finance & lifetime ISAs.

View our infographic
Remember, the value of investments can fall as well as rise, and you could get back less than you invest.

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Planning for the long term

Successful investing requires careful planning. Whatever your future goals, get organised now with the help of these tips and tools.

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