An Individual Savings Account (ISA) is a powerful way to save and invest for your future—offering valuable tax benefits that help your money grow more efficiently.

Why choose an ISA?

ISAs are one of the most tax-efficient ways to invest. Any returns - whether from interest, dividends, or capital gains - are completely free from UK income and capital gains tax. Plus, your ISA investments don’t count towards your personal tax allowances.

How much can you invest?

For the 2025/2026 tax year, you can invest up to £20,000 across your ISAs. This annual allowance can be split between different types of ISAs, depending on your goals.

What is a Stocks and Shares ISA?

This type of ISA allows you to invest in a wide range of assets, including funds, shares, and bonds. Unlike a Cash ISA, although low-risk, the returns may be lower than inflation, a stocks and shares ISA has the potential for higher long-term growth through compound returns - although it does come with market risk.

While the value of investments can go down as well as up, over time, a diversified portfolio may deliver stronger returns than cash savings.

Is an ISA right for you?

We’re here to help you choose the ISA that best suits your financial goals and risk appetite. Whether you're new to investing or looking to grow your portfolio, we can guide you through your options.

The value of an ISA with St. James's Place will depend on the performance of the funds you choose and may fall as well as rise. You could get back less than you invest.

An Investment ISA does not offer the same capital security as a Cash ISA.

The tax advantages of ISAs are based on current legislation and may change in the future.

St. James's Place does not offer Cash ISAs.