|Individual Savings Accounts (ISAs)|
|Where do I get an ISA?|
|Can I have an ISA?|
|What are the different sorts of Individual Savings Account?|
|What is a CAT standard ISA?|
|The CAT standards|
|How do I choose an ISA Manager?|
|Switching from one ISA manager to another|
|How many ISAs can I have?|
|How much can I put into ISAs?|
|What are the tax benefits of an ISA?|
|I am under 18 - can I have an ISA?|
|Can I put money into an ISA for my child?|
|What happens if I die?|
|What happens if I go abroad?|
|What if I pay into too many ISAs?|
|What if I want to take my money out of an ISA?|
|What happens if I change my mind?|
|Can I put shares from my employee share scheme into my ISA?|
|Can I put windfall or inherited shares in my ISA?|
|Can I get reports and accounts of the companies in my stocks and shares ISA?|
|What can the cash component of an ISA include?|
|ISA Stocks & Shares Component|
|Cash - Stocks & Shares or Insurance Components|
|ISA Life Insurance components|
|Changes - 6 April 2005?|
|Affects of 6 April 2005 Changes|
|Further Information - Changes 6 April 2005|
|Which ISA component April 2005?|
|Continue Paying into an ISA|
|ISA Insurance Policy and ISA Unit Trusts|
|Mini Cash ISA - Cash Deposit Component|
|What if I have a complaint?|
You pay no tax on any of the income you receive from your ISA savings and investments. This includes dividends, interest and bonuses.
You pay no tax on capital gains arising on your ISA investments (losses on ISA investments cannot be allowed for Capital Gains Tax purposes against capital gains outside your ISA).
The insurer does not have to pay tax on income and capital gains on investments used to back your ISA life insurance policies. You do not have to pay any tax when the policy pays out.
You can take your money out at any time without losing tax relief.
You do not have to declare income and capital gains from ISA savings and investments or even tell your HMRC office that you have an ISA.