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Compare Regular Saver ISA

Pick the best regular saver ISA to make the most of your tax free allowance this year.

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Investment ISAs put your capital at risk & you may get back less than you originally invested.


    Regular Saving Into A Stocks & Shares ISA

    Unlike a cash ISA - which is a straightforward tax-free savings account - a stocks and shares ISA allows you to invest money up to a certain amount without paying tax. This runs from 6th April each year, check the main page to see the current ISA maximum allowance.

    A stocks and shares ISA allows you invest your tax-free allowance while only paying 10% tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.

    You have a variety of options when it comes to using your stocks and shares ISA allowance. You can:

    1. Invest your full ISA allowance in a stocks and shares ISA.
    2. Regular saver? Make monthly investments into an ISA (up to a maximum of £20,000 pa).
    3. Use your stocks and shares ISA allowance for shares - excluding shares traded on the Alternative Investment Market (AIM) - unit trusts, investment trusts, open-ended investment companies (OEICs), life insurance policies, corporate bonds, and gilts.

    Are you ready to invest in a stocks and shares ISA?

    A stocks and shares ISA, as with all investments, involves an element of risk, so it's important that you're in a sufficiently stable financial position. Before you open a stocks and shares ISA, make sure that:

    1. Your debts are under control - you've either paid them off or have affordable arrangements in place to do so.
    2. You have emergency savings that you can access easily if something unexpected occurs - if your car breaks down or you're made redundant, you'll need savings that you can use straight away.

    If you're very new to saving and don't yet have a basic emergency fund, you may find that a cash ISA is more suitable for you at this stage. Once you've built up some accessible savings in this way, you might then want to consider a stocks and shares ISA, too.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk
Important Risk Information:

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.