Income isas are structured and  designed to create you a regular income. You can also aim to grow your isa by reinvesting any income earned in a given period. Income isas invest in bonds and gilts mainly with different levels of risk attached. As with any investment, we recommend that you seek professional financial advice. With any type of isa, it is very important that you understand your level of risk, it is not always guaranteed that you will get back your initial investment.