Topic
Cash & savings · Analysis
Savers put £95.6bn into cash ISAs in 2024 to 2025, more than two and a half times the £37.2bn that went into stocks and shares ISAs. From 6 April 2027 under-65s can put only £12,000 a year into cash.
Gilts · Explainer
Gains on gilts are free of capital gains tax but coupons are taxed as income. A gilt with a small coupon, priced below £100, turns most of its return into the tax-free part.
Cash & savings · Explainer
From 6 April 2027 interest earned on cash inside stocks and shares and innovative finance ISAs faces a flat 22% charge. The ISA manager pays it, nobody can reclaim it, and it applies at every age.
