Share ISAs

What are my ISA options?

ISAs are simply savings accounts where your money is squirrelled away from the tax man. You can stash up to £20,000 a year in these mostly tax-free drawers.

Cash ISAs

These "cash storage tubs" suit people who don’t want the bouncy ride that is the stock market, especially if you want to get your hands on this money in less than 5 years.

Where can I go?

Stocks and Shares ISA

Just 14% of adults have one of these. But if you’re saving for at least 5 years, have a think. Over 10 years shares are 90% more likely to do better than cash. Warning! The stock market can jump around like an angry grasshopper.

Let's jump in...

Junior ISAs

These savings vehicles for kids come in a cash or a shares flavour. Anyone can pay into these, making them a great idea for birthdays or Christmas for the nippers. They replace the older Child Trust Funds.

I'SA interested

Lifetime ISA

Now available, these savings accounts are for people aged 18-40 and offer a 25% bonus from the government... but with strings attached.

Tell me more

Innovative Finance ISA

These ISAs are new and at the spicy end of the spectrum. It’s peer-to-peer lending done inside the perky little tax-free world of the ISA. (OK, the picture's random. We ran out of ideas!)

Sounds interesting

What are other people asking about ISAs?

Check out more ISA questions and our Money Owls' answers.

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Important stuff!

Holly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice, nor are we regulated by the industry watchdog (although we do talk to them a lot). For every story on this site about a good investment, or something which went up by 10% or made someone £200, we could share a story about a bad investment, something which fell by 10% or lost someone £200. Nothing’s certain when investing so if you’re really unsure, or dealing with complicated stuff like working out what to do with a pension when you retire, we’d really suggest you get some financial advice. Here are some tips on  how to pick a good financial adviser. Or check out Unbiased or VouchedFor. Just remember, commission has been banned now so advisers need to be very clear with you about what you are paying them and when.