Guides to your ISA 2014/15

 

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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