Intro
This article is a hub page, where we've collected all the necessary articles about Individual Savings Accounts (ISAs) in the UK, see them listed just a scroll away.
THE ESSENCE:
An Individual Savings Account is a UK-specific account type provided by either a bank, digital bank or broker. Your savings and earnings on an ISA are subject to less tax or no tax at all.
You can build up your savings in multiple ways. The most popular ones are:
- Cash ISAs: where you build tax-free interest on your unused cash
- Stocks and shares ISAs: where based on your market performance, capital gains or dividends are tax free
- Innovative finance ISAs: which is basically a loan arrangement, where individuals and businesses borrow from your cash
- Lifetime ISAs: where you can save for your pension or for your first home, with gobernment adding +25% to your yearly allowance
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Everything you wanted to know about ISAs
Here's what you should know about ISAs
ISAs can be covered by multiple aspects so this is what we did. Here you can see a list of articles we have written about ISAs with a short brief:
- What is ISA? - ISAs are basically tax-free savings accounts, and there are multiple account types
- In-depth guide of ISAs - Advantages, disadvantages in more detail
- What is an ISA allowance? - There is a limit set by the UK government on how much you can put into your tax-free Individual Savings Accounts (ISAs) each tax year
- How much can you put in an ISA? - This is a limit the UK government determines
- How many ISAs can I have? - There are limits, but you can accumulate multiple ISAs over time
- What is a stocks and shares ISA? - You can invest all or part of your annual ISA allowance into stocks and shares
- What is a Lifetime ISA? - If you want to buy your first home or save for retirement, the Lifetime ISA (also known as LISA) could be a good launching pad
- How to open a Lifetime ISA? - Anyone aged between 18 and 39 can open a Lifetime ISA, if they are a resident of the UK
- What is a cash ISA? - Tax-free savings accounts where you do not have to pay tax on the interest you earn
- What is junior ISA? - You cannot start too early to save for your child in order to give them a kickstart in life
- What is a flexible ISA? - The flexibility of an Individual Savings Account (ISA) refers to whether you are able to withdraw money in a tax year from your ISA without affecting your annual allowance
- How to transfer your ISA? - We collected the top 5 things you need to know about how to transfer your Individual Savings Account (ISA)
- What is an Innovative Finance ISA? - In this guide, we have put together the key points on Innovative Finance ISAs to help you decide if they could be for you
- All you need to know about a fixed rate cash ISA - In this guide, we help you find out if a fixed rate cash ISA is the right savings account type for you
- Is ISA only for UK citizens? - You live in the UK but you are not a citizen. We help you with how to make use of ISAs
- Which is the better investment: pension or ISA? - What is the best way to start saving for retirement? We help you compare the two best options
- How does an ISA work? - We tell you the basics of how the different types of ISAs work
- Can EU citizens open an ISA? - We help you find out what are the conditions for EU citizens who reside in the UK to open an ISA account
- What is the safest ISA? - We show you how a UK scheme protects your savings and investments and give you tools on how to spot a scam
- What happens to my ISA if I move abroad? - We guide you through what happens to your ISA accounts if you move out of the UK
- Does an ISA beat inflation? - We give you some tips on how to manage inflation with your ISA accounts
- Interest on cash ISA: how much do they pay? - We show you what factors are considered for cash ISA interest rates
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