Individual Savings Accounts were first introduced in 1999, and have become a very popular way for us to save our money. It's not a complex financial product, but a tax-free wrapper into which you can pour your cash, or even stocks and shares. If you have money to spare, it's a great idea as it saves tax and therefore increases returns. They are a lot more flexible than people might think; you can mix and match cash and shares, and it is possible to withdraw from the ISA without affecting the tax benefits on the rest of your savings.
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