What are individual savings accounts?

Since their introduction in 1999, ISAs have become one of the most popular and tax-efficient ways to save and invest for the future.

In 2014, the Chancellor announced sweeping changes to ISA regulations, designed to encourage people to save more by offering bigger tax breaks and greater flexibility.

The ISA allowance remains at £20,000 for the tax year 2021/22, and the changes from July 2014 now allow full flexibility in the use of cash and investments within the overall annual limit.

St. James’s Place draw on the expertise of some of the world’s top investment professionals to manage their ISA funds. This will allow you to match the risks you are prepared to take with a well-diversified and balanced portfolio, to create an appropriate strategy to aim for income or capital growth. Through regular reviews we adjust the mix to reflect changing needs and markets.

Key Investor Information

The value of this investment will be directly linked to the performance of funds you select, and the value can therefore go down as well as up. You may get back less than you initially invested.

Please Note: An investment in a Stocks and Shares ISA will not provide the same security of capital associated with a cash ISA.

The favourable tax treatment currently given to ISAs is subject to changes in legislation and may not be maintained in the future.


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