View some of our 2021-22 ISA season best ISA platform sellers.
This type of cash ISA allows you to withdraw your money quickly and easily whenever you need it.
This type of cash ISA allows you to withdraw money within set boundaries - for example, you may only be permitted to make a certain number of withdrawals per year.
This type of cash ISA is intended to provide a better rate of interest in return for locking you money away for a set period of time.
However, this is not necessarily the case, so it pays to research all your cash ISA options before making a commitment as accessing your money quickly can be difficult
This type of cash ISA allows you the potential to earn higher returns than you'd usually receive from savings in a regular instant access cash ISA or fixed rate cash ISA, without risking your capital.
Your capital is protected up to a value of £85,000 by the FSCS.
If your investment performs well, you'll receive your capital back at the end of the term plus any income you made on the initial deposit.
In the event that your investment doesn't perform well you may receive no income or capital growth, but your initial capital will be repaid in full.
So, if you put £1,000 into a structured cash ISA and the market does well over the term of the ISA, you might get £1,000 capital + 15% income when your plan matures.
In the event that the market does badly, you may not receive any returns, but you'll get your capital back.
An instant access cash ISA offers straightforward access to emergency savings, while a fixed rate cash ISA can sometimes provide a better rate of return for those prepared to lock their money away for a set period of time.
Structured deposit plans, which offer returns linked to the markets while also offering capital protection, are also becoming a popular way for people to use their cash ISA allowance.
As with all savings accounts, it's important that you shop around for the best deal.
For a selection of cash ISA options see our tables for latest products and options from leading market lenders.
A Stocks and Shares ISA is becoming a popular alternative to Cash ISAs now that the interest rates offered by banks are at the lowest they’ve ever been.
Generally, the returns on your investment are much higher in a Stocks and Shares ISA but there is an element of risk and there’s no guarantee that you won’t make losses or even withdraw less than you invested.
However, there are some way to minimise risk if you’re worried about investing:
While there are no guarantees of returns with investment, these are some sure ways to minimise that risk.
It’s looking more and more likely we’re past the worst of the pandemic.
For five shares that could be worth a look in this context, download a FREE factsheet to discover Hargreaves Lansdown’s experts’ latest picks.
The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.
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15th March 2021
You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply".
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