Guides to your ISA 2015/16

If you're thinking about opening an ISA but aren't sure where to start, read on for an explanation of the different types of ISAs that are available and how to open your account

What is an ISA?

An ISA stands for individual savings account. All adults in the UK over 18 are entitled to open an ISA account

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Are cash ISAs all the same?

In the same way as other savings accounts, there are different types of cash ISA available such as fixed rate

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Can I open an ISA for my children?

Children under the age of 18 are entitled to have an ISA account - called a junior ISA and works pretty much in the same way

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Cash ISA or Stocks and Shares ISA?

Cash ISAs are similar to a standard savings account, except for the fact you aren't paying any tax on the interest that you earn

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How many ISAs can I have?

You can have one cash ISA and one stocks and shares ISA if you have chosen to split your allowance

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How much is my ISA allowance in 2014/15?

The personal allowance is calculated each tax year beginning on 6th April. In 2014/15 your total tax-free savings allowance is £11,880

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Invest with a stocks and shares ISA

You can choose to invest your money into a single fund or you can ask for a wide range of investments in order to spread the risk

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Is my ISA transferable?

Whether you're looking for a short-term saving solution or you have long term plans, an ISA could fulfil your needs

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Speak to an adviser

Our trained expert advisers have access to the UK’s leading lenders and using their knowledge and skills will place you with the most suitable leader and product for your needs.

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