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The Citywire Money ISA guide

ISAs or individual savings accounts are a popular and tax-efficient way to save. This guide to ISAs tells you about the three main types of ISAs: cash ISAs, stocks and shares ISAs and junior ISAs for children, and how much you can save into them every year.

The Citywire Money ISA guide

Key points about ISAs:

  • Unlike pensions, you can access money saved in an ISA at any time.
  • Cash ISAs are a good way to build up a pot of money for emergencies or shorter-term projects.
  • Stocks and shares ISAs are longer-term investments and are for money you can afford to put away for five years or more.
  • In the 2012/13 tax year you can save up to a total of £11,280 into cash and stocks and shares ISAs.
  • The most you can put into a cash ISA is half that amount – £5,640 – with any more going into a stocks and shares ISA.
  • Or you could put up to £11,280 into just a stocks and shares ISA.
  • Adults can contribute to a junior ISA for a child. The annual allowance for a junior ISA is currently £3,600.

The articles and videos below are mostly from The Lolly, the part of the Citywire Money website dedicated to beginner investors. If you like what you see there you can sign up to The Lolly’s weekly email.

Video guides to ISAs

Junior ISAs: a 10-point guide to saving for children

The Junior ISA: tax-free savings for the kids

How to save using an ISA



• ISA 2013: meet our fund analysts

• How to scrape £60,000 for a house deposit

More on ISAs and how to get one

The 210 savings accounts that beat inflation

ISA 2012: a guide to the Citywire Selection of best funds

Friday Five: which fund managers should we sack?

Investors show 'clear shift' from bonds to shares

European stocks are ‘crazily cheap’

Does a great January mean a good year for the FTSE?

David Kempton: I’ve sold all of my government bonds

Has the FTSE 100 rallied too far, too fast?

Bullish investors ignoring risks, warns £11bn fund manager

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The Accumulator: FTSE see-saws on trade war fears

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