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Benefits of an ISA.

tax-efficient savings

ISAs offer a great way to save for the future. By investing in an ISA, and making the most of your tax-efficient ISA allowance, you’re potentially increasing any income or growth on your investment.

No Capital Gains Tax

You don't have to pay Capital Gains Tax (CGT) on your ISA investments, no matter how much the investment grows in the future or how much you take out.

No Income Tax

ISAs are tax-efficient because they’re free from personal Income Tax. So whatever growth or income you receive, it’s yours to keep. However, ISAs aren’t tax free. Dividend income is subject to 10% tax at source, and cannot be reclaimed.


Please remember, with Stocks and Shares ISAs, the value of an investment can go down as well as up and is not guaranteed. You may get back less than you invest. Although there is no minimum term for investing, you should be prepared to keep your money invested for at least five years. The value of tax savings and eligibility to invest in an ISA will depend upon individual circumstances and tax rules may change in the future.

You don't have to mention ISAs on your tax return

This makes completing your tax return much easier as you don't need to include information about Income Tax or Capital Gains Tax (CGT) from ISA investments. Read more about ISA rules.

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Help and support

Guides, tools and information on your company pension to help you manage your pension and plan for retirement.


Learn about pensions and why it’s important to save for your retirement.