Cash savings vs investing


By Personal Investment Team

21 July 2019

Cash or stocks?  Find out more about where you should put your money. 

Cash ISA vs Stocks & Shares ISA
Your provider pays interest on your savings, which might be slightly higher than a regular savings/current account.   


Your money can be invested in a fund, which can consist of things like shares, bonds, property and cash, with the aim of generating greater returns. 

Annual tax-free limit



Annual tax-free limit


+        Steady cash return and more  security for your cash. 

  −     Lower returns for more short-term outlook



+   Potential higher returns

−    Riskier. Returns not guaranteed






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Risk warning

Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest . Tax rules for ISAs may change in the future and their tax advantages depend on your individual circumstances.

Please note the information, data and any references in this article were accurate at the time of writing. Please check the date of the content if you’re looking for up to date investment commentary or tax-year related information.