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As you do not pay tax on your investments within the ISA wrapper, that means more money for you. There is no income tax on the investment, no capital gains tax on profits and no Income tax on share dividends.

The IFA-Guide strongly recommends using your ISA allowance.

Interest Rates
Interest rates hit a 40 year low in 2003 of 3.5%. This has not been good news for the savers amongst us as the interest rate is the percentage of an investment that an investor receives on a saving or the percentage of an investment that an investor pays to borrow money.

There are three terms associated with interest rates: AER, Gross, Net.

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