Investment Types - ISAs
ISA
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ISA

Individual savings accounts (Isas) fall into two brackets: cash and stocks and shares. All Isas are tax-free, meaning that any interest or money generated is the saver's to keep.

The Isa limits are changed each year in line with inflation; in 2011/12 you can put up to £5,340 in a cash Isa, and a further £5,340 in a stock and shares Isa. Or you can forgo the cash option and put £10,680 in a stocks and shares Isa, but you can't put any more than £5,340 in cash.

A stocks and shares Isa allows you to keep investments within the account without having to pay capital gains tax. However, you do have to pay 10% on dividends generated from shares within the Isa.

Unlike cash Isas where your money is protected by the Financial Services Compensation Scheme (FSCS), stocks and shares Isas are investments, so your money is not guaranteed and you could end up with less than you put in if your stocks lose value.

Unless you are a seasoned investor, you should seek advice before plunging into investments; an independent financial adviser (IFA) can provide advice. You also need to watch out for management and fund fees when investing.

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