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ISA - Individual Savings Account

Individual Savings Accounts (ISAs) are tax-favoured savings and investment accounts.

You can use an ISA to save in a cash account or invest in stocks and shares, including corporate bonds. In very simple terms and subject to the respective allowances, most of us pay income tax on our investment returns and capital gains tax on investment growth. Higher rate tax payers would be charged income tax at the highest rate.

In an ISA you save by not paying personal tax on the income or profit your investment earns. Higher rate tax payers would only pay 10% on the dividend income. Finally if you have exceeded your allowance for Capital Gains Tax, currently £3,000 (2024-2025) from the sale of shares and other certain assets, you will not have to pay Capital Gains Tax on the disposal of ISA assets.

There is a vast array of ISA products for both the Cash and Stocks & Shares elements. We can help you choose the most suitable one for you taking into account your financial circumstances and attitude to risk. We particularly like Self Select ISAs providing investment into bonds.

Click here to see all qualifying components.

Conditions and limits apply for each fiscal/tax year (April 6th to April 5th the following year). Please contact us for advice for which we will be happy to help you make the right decision.

To pay into an ISA you must be:

  • a UK resident - with two exceptions: Crown employees, such as diplomats or members of the armed forces, who are working overseas but paid by the government; and their husbands, wives or civil partners
  • over 16 for the cash component
  • over 18 for stocks and shares

An ISA must be in your name alone; you can't have a joint ISA. Just one each. So couples can double up on the benefits of this attractive investment.

Check out the current investment limits for ISAs.

Lloyd Vine Limited. Independent Financial Advisers & Mortgage Brokers. Authorised and regulated by the Financial Conduct Authority. 832055.
Copyright All Rights Reserved © 2019 Lloyd Vine Limited. Company Number: 11783591


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Mon - Fri : 9am - 5pm

Telephone

023 80601601

Email

info@lloydvine.co.uk

About Us


  • Home
  • Insurance
    • Business Protection >
      • Key Person Insurance
      • Shareholder Protection
    • Employee Benefits >
      • Group Income Protection
      • Group Life
      • Group Private Medical
      • Relevant Life Cover
    • Personal Protection >
      • Critical Illness Cover
      • Income Protection
      • Life Assurance
  • Investment
    • Pension & Retirement >
      • Auto Enrolment
      • Company Pensions
      • Flexi-Drawdown Pension
      • Group Personal Pension
      • Pension Annuity
      • Personal Pension
      • Self-Invested Personal Pension
    • Savings & Investments >
      • Investment Bonds
      • Investing For Children
      • ISA (individual Savings Account)
      • Lifetime ISA
  • Mortgages
    • Your Home Mortgage >
      • Introduction
      • Property Surveys
      • Mortgage Consultation
    • Buy To Let >
      • Buy to Let Types
      • Portfolio Landlords
    • Commercial Mortgages >
      • Commercial Mortgages
      • Limited Company Buy to Let
    • Holiday Home Finance
    • Let to Buy
    • Second Home
    • Self Build
    • Mortgage Calculator
  • Contact Us
  • News
  • Documents