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Pick the right Isas to make the most of your investments

How to find the Isa that's right for you and fill it with the best investments
Pick the right Isas to make the most of your investments

You are probably familiar with cash individual savings accounts (Isas) and stocks-and-shares Isas, but the past few years have seen a proliferation of a number of other types of this tax wrapper. So in the forthcoming 2017-18 tax year there will be no fewer than six different versions of this tax wrapper. But while choice is good, it will be more important than ever to pick the right one for you and have the right number.

Within a single tax year you can pay your annual allowance, currently £15,240, into three different types of Isa. You can fund a cash or Help to Buy, stocks and shares, and Innovative Finance Isa. And from April, when the annual allowance rises to £20,000, you will also be able to open the Lifetime Isa (Lisa) designed for those between 18 and 40 to either save for a home or retirement.


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