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What is an ISA?

An ISA is a tax-efficient wrapper in which you can hold ‘stocks and shares’ and/or ‘cash’.

ISA wrappers minimise the effects of income tax and capital gains tax on the investments it wraps.

An Individual Savings Account, or ISA, is a tax-efficient way of saving or investing.

An ISA is not an investment in its own right, but a wrapper in which you can hold investments to shelter them from capital gains tax while minimising income tax. Simply put, when you hold investments in an ISA, you do not pay income tax or capital gains tax on any income or gains you make from them.