Individual Saving Accounts (ISA)

Individual savings accounts (ISA’s) were introduced in April 1999. They replaced Tessas and PEP’s and are effectively a tax wrapper within which you can hold a range of different investments.

The big advantage of ISA’s is that returns are tax free – gains on investments, held outside an ISA are liable to income tax or capital gains tax.

Holdaway Johnson Financial Services Ltd. are authorised & regulated by the Financial Conduct Authority.

The Financial Conduct Authority does not regulate all the products and services we provide.