ISAs | 3rd August 2018

Which ISA is for me?

So you’d like to get started but have no idea how. No problem. Perhaps you’re saving for a wedding or a new addition to the family. Maybe you’d like to stash away the pennies for a rainy day or get that car you’ve always wanted. Or, you’re looking to save a reasonable deposit for your very first home. An ISA is an excellent way to do that. Our “Which ISA is for me guide?” cuts through technical jargon and gives you an introduction to each ISA to help you decide which ISA best suits you.


So what is an ISA?

In its simplest form, an ISA is an individual savings account that efficiently allows you to save money and long-term tax-free interest. There are a whole host of benefits that come with it. As well as your tax-free allowance, you’re also exempt from paying pesky Capital Gains Tax on any increase that you see, meaning you’re left with more of your own hard earned cash in the bank and not lining the pockets of the government.

Depending on the ISA you choose, you can also make regular cash withdrawals without paying any additional income tax. Seems like a no-brainer right? Well actually, we think it is!

Your financial goals and aspirations will determine the right ISA for you. At Apples for Oranges, we have a dedicated team of people behind the scenes looking at ways to simplify the hectic market of ISA investments. We want to help you grow your starting seed money into a blooming investment, one which enables you to achieve your financial goals.

It’s our mission to provide you with as much non-advisory information as possible as we believe it’s essential for you to be better aware of your options to make the best decisions to suit your financial circumstances.

There are many variables to consider when choosing the right investment. Naturally, these factors will influence your return. To make it easier for you to decipher which is the best option for you, we thought it might be beneficial for you first to understand the technical jargon in plain English.

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