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An Individual Savings Account (ISA) is a personal savings vehicle designed to provide individual investors with the opportunity to save tax efficiently over a period of time. Isa’s were introduced by the UK government in 1999 and over the last 12 years ISA rules and limits have been amended on a regular basis.
For tax year 2012/ 2013 an individual may invest a maximum of £11,280 into an ISA however the maximum that may be invested into deposit based accounts is £5640. Cash Isa’s allow an individual to protect their deposit based capital against income and capitol gains tax. Subscription limits are amended annually and it is important to shop around because ISA deposit rated vary significantly between providers. There are also different types of ISA deposit accounts including those that offer immediate access to capitol and those that are fixed for a period of time. The general rule is that that the longer the tie in the better the rate but this is not always the case. It is also important to review existing ISA accounts before investing new money as there may advantages to investing larger sums.
Important Risk Information:
This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
Different types of investment carry different levels of risk and may not be suitable for all investors. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice, either call us directly on or use our contact form.