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If used correctly, ISAs can be an effective proportion of your overall investment strategy. Tax-efficient savings can be built up over time with no implications on tax deductions when the fund is encashed, whether partially or in its entirety, and investments held within these products can be many and varied.

Individual Savings Accounts (ISAs) can invest in long-term investments such as stocks and shares, including unit trusts, investment trusts, OEICs and fixed interest securities.

The annual investment allowance for the tax year 2020/21 is £20,000 and any amount of this can be saved in cash, stocks and shares or a combination of the two, with either the same or different product providers. This will depend however, whether you hold one ISA or one cash ISA and one stocks and shares ISA.

Your entire annual ISA allowance of £20,000 (for the tax year 2020/21) can be invested in cash, stocks and shares or a combination of both over either one ISA or two ISAs (one cash ISA and one stocks and shares ISA).

There are several factors to consider before investing in to a ISA, such as the implications of contributions already made in the current tax year in which you are considering contributing additional funds, and therefore advice is recommended before investing in to a ISA product.

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