Independent financial advice

Individual Savings Accounts are saving plans that are exempt from tax on their returns.


Currently, the available types of ISA are:

  • Cash
  • Stocks and shares
  • Innovative finance
  • Lifetime (LISA)


The big benefit of ISAs is that no tax is payable, either on interest from cash or on investment returns.

Everyone has a yearly allowance for how much they can pay in. This is currently £20,000 a year, and this can be invested into a single ISA, or split across different types depending on how you wish to save. The only exception to this allowance is the LISA, which has a £4,000 annual limit.


A cash ISA can include:

  • Bank and building society accounts
  • Some National Savings & Investments products

A stocks and shares ISA can include:

  • Shares in companies
  • Unit trusts and investment funds
  • Corporate bonds
  • Government bonds

A LISA may include either:

  • Cash
  • Stocks and shares

Innovative finance ISAs include:

  • Peer to peer loans
  • Crowdfunding debentures

As part of our ongoing advice service, we always look to manage your investments in the most tax efficient way possible. We will make use of your annual allowance, if appropriate, for your individual circumstances.

If you’re interested, get in touch with our team today.

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Meet Mark Evans, our expert in Investment Advice.