Want to get rich? How an Isa makes it a piece of cake - and why 税金-解放する／自由な saving is about to get much better
On its 25th birthday, the Individual 貯金 Account (Isa) has truly come of age ― and it is having a party no saver should 行方不明になる.
利益／興味 率s on cash Isas now （警官の）巡回区域，受持ち区域 正規の／正選手 貯金 accounts with market-主要な 取引，協定s, and the 税金 advantages of these accounts have never been more important.
追加する to that a shake-up in Isa 支配するs which gives you more 柔軟性 and you’ll find it has never been so 平易な to grow your wealth with an Isa.
税金-解放する／自由な: 利益／興味 率s on cash Isas now （警官の）巡回区域，受持ち区域 正規の／正選手 貯金 accounts with market-主要な 取引，協定s, and the 税金 advantages of these accounts have never been more important
How to find the best cash Isa
After years of 激しく揺する-底（に届く） 率s, cash Isas had earned thems elves a 評判 as the poorer cousin of ordinary 貯金 accounts ― but they have come a long way in 最近の years.
Two years ago, there was a 0.6 百分率 point gap between the best ordinary 直す／買収する，八百長をするd-率 貯金 account and an 同等（の） Isa.?
By last year, that gap had shrunk, but ordinary accounts were still 0.28 百分率 points ahead of Isas.
But in 最近の months, the difference is almost 非，不，無-existent at 0.05 百分率 points on 直す／買収する，八百長をするd-率 取引，協定s and, in some 事例／患者s, the trusty Isa has leapfrogged 類似の High Street accounts.
The 普通の／平均（する） 利益／興味 率 on 平易な-接近 Isas was 3.37 per cent on Monday, outstripping the 普通の／平均（する） 3.16 per cent on 平易な-接近 accounts, によれば data comparison group MoneyfactsCompare.
Savers can now 捕らえる、獲得する a market-主要な 5.11 per cent with Moneybox’s 平易な-接近 cash Isa.?
This is a whisker more than you can earn in a 基準 貯金 account, where the 最高の，を越す 取引，協定 is a 5.1 per cent account with Cynergy Bank.
> Five of the best cash Isas: Our 選ぶ of the 最高の，を越す 取引，協定s?
Why an Isa 事柄s more than ever
But the biggest selling point that makes the Isa more 価値のある yet is that, unlike with other 貯金 accounts, no 事柄 how much money you stash away (支配する to 年次の allowances), you will never have to 支払う／賃金 税金 on your 利益／興味, 保護するing every penny from the taxman.
In a world of higher 率s, this counts for far more. Around 2.73 million savers are 推定する／予想するd to 支払う／賃金 税金 on 利益／興味 earned in ordinary savi ngs accounts this year, up from 800,000 just two years ago.
Basic-率 taxpayers must 支払う／賃金 税金 on any 利益／興味 they earn from their 貯金 above £1,000 a year.?
Higher-率 taxpayers can earn just £500 in 利益／興味 before they start to 支払う／賃金 税金, and 付加-率 taxpayers 支払う／賃金 税金 on all of their 利益／興味.?
Isas are about to get much better?
And the good news is that, from April, a major change in Isa 支配するs 発表するd by （ドイツなどの）首相／（大学の）学長 Jeremy 追跡（する） during his Autumn 声明, will mean that savers can, for the first time, chase the best 取引，協定s without 存在 penalised.
From the new 税金 year, savers will be able to 持つ／拘留する as many Isas as they like without 存在 攻撃する，衝突する with a 税金 刑罰，罰則. 現在／一般に, 投資家s can only open and 支払う／賃金 money into one of each type of Isa every year.
This means they can only save into one cash Isa or one 在庫／株s and 株 Isa per 税金 year.?
Under the 現在の 支配するs, anyone who opens more than one type of cash Isa can be 告発（する），告訴（する）／料金d 税金 on 利益／興味 they earn and will have their second account shut 負かす／撃墜する. This means they 危険 行方不明の out on 未使用の 税金 allowances.
As of next month, this will no longer be the 事例／患者, which means savers will be able to shop around more 自由に and 捕らえる、獲得する the best 率s without losing their 税金-解放する／自由な allowance.?
税金 避難所: Around 2.73 million savers are 推定する／予想するd to 支払う／賃金 税金 on 利益／興味 earned in ordinary 貯金 accounts this year, up from 800,000 just two years ago
投資家s need to beware the ぼんやり現れるing 税金 （警察の）手入れ，急襲
These 税金 advantages are just as 決定的な ― if not more ― for savers who 投資する in 在庫／株s and 株.
Next month, the taxman is その上の 強化するing its 支配する on the 利益（をあげる）s made by 投資家s.
From April 6, the 年次の （株主への）配当 allowance will be halved to £500. The 削減（する） will 減ずる the 量 that you can earn in （株主への）配当s without 支払う／賃金ing 税金 to just a tenth of what it was as recently as 2018.
It was 削減（する） from £5,000 to £2,000 in 2018, and halved to £1,000 in 2023. More than 1.1 million more people will find themselves 支払う／賃金ing （株主への）配当 税金 as a result, HMRC 見積（る）s.
Likewise, the 資本／首都 伸び（る）s 税金 allowance will be 削除するd from £6,000 to just £3,000, いっそう少なく than a ４半期/4分の1 of the £12,300 allowance 投資家s enjoyed in 2022.
This means that squirrelling your 貯金 into a 税金-解放する／自由な wrapper makes more sense than ever.
計算／見積りs by stockbroker Interactive 投資家 show that a higher earner could have saved up to £9,000 in 資本／首都 伸び（る）s 税金 since 1999 ― when Isas were 開始する，打ち上げるd ― if they had 投資するd their entire allowance into the account each year, versus if they had bought 在庫／株s and 株 in a taxable account.
However, 税金 貯金 will balloon in the coming years as the 政府 continues to 削除する 投資家s’ allowances.
A higher-率 taxpayer who maxes out their allowance in April from the start of the new 税金 year could save £18,534 in 資本／首都 伸び（る）s 税金 over ten years if no 撤退s are made, assuming allowances remain 不変の over the period.
Myron Jobson, of Interactive 投資家, says: ‘While few have been in the fortunate position to make 十分な use of the 年次の allowance every 税金 year, many have 利益d from not insignificant 税金 貯金 when they have sold their 投資s.
‘The 重要な 削減（する） to 税金 allowances means that those with more modest 大臣の地位s held outside a 税金 wrapper 直面する a growing 税金 重荷（を負わせる） as their 投資s grow.’
A new British Isa is 現在／一般に in the 作品 and it will give savers yet more 余裕／偏流 to 避難所 their cash from 税金s.
Earlier this month, Mr 追跡（する） 発表するd that a new UK Isa would soon be created to 許す 投資家s to 注ぐ an extra £5,000 into the 株式市場 beyond the 現在の £20,000 allowance each year, so long as the money is put into UK-名簿（に載せる）／表（にあげる）d 資産s.
The 政府 has yet to 確認する 正確に／まさに when the new 愛国的な 貯金 account will 開始する，打ち上げる. But 最近の political 焦点（を合わせる） on these accounts has given Isas a 新たにするd impetus that savers can no longer afford to ignore.
Compare the best DIY inves ting 壇・綱領・公約s and 在庫／株s & 株 Isas
投資するing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that 控訴s you.
When it comes to choosing a DIY 投資するing 壇・綱領・公約, 在庫／株s & 株 Isa or a general 投資するing account, the 範囲 of 選択s might seem 圧倒的な.?
Every provider has a わずかに different 申し込む／申し出ing, 非難する more or いっそう少なく for 貿易（する）ing or 持つ／拘留するing 株 and giving 接近 to a different 範囲 of 在庫／株s, 基金s and 投資 信用s.?
When 重さを計るing up the 権利 one for you, it's important to to look at the service that it 申し込む／申し出s, along with 行政 告発（する），告訴（する）／料金s and 取引，協定ing 料金s, 加える any other extra costs.
To help you compare the best 投資 accounts, we've crunched the facts and pulled together a 包括的な guide to choosing the best and cheapest 投資するing account for you.?
We 最高潮の場面 the main playe rs in the （米）棚上げする／（英）提議する below but would advise doing your own 研究 and considering the points in our 十分な guide linked here.
>> This is Money's 十分な guide to the best 投資するing 壇・綱領・公約s and Isas?
壇・綱領・公約s featured below are 独立して selected by This is Money’s specialist 新聞記者／雑誌記者s. If you open an account using links which have an asterisk, This is Money will earn an (v)提携させる(n)支部，加入者 （売買）手数料，委託（する）／委員会／権限. We do not 許す this to 影響する／感情 our 編集（者）の independence.?
| Admin 告発（する），告訴（する）／料金 | 告発（する），告訴（する）／料金s 公式文書，認めるs | 基金 取引，協定ing | 基準 株, 信用, ETF 取引，協定ing | 正規の／正選手 投資するing | （株主への）配当 reinvestment | ||
|---|---|---|---|---|---|---|---|
| AJ Bell*? | 0.25%? | Max £3.50 per month for 株, 信用s, ETFs.? | £1.50 | £5? | £1.50 | £1.50 per 取引，協定? | More 詳細（に述べる）s |
| Bestinvest* | 0.40% (0.2% for ready made 大臣の地位s) | Account 料金 削減（する） to 0.2% for ready made 投資s | 解放する／自由な | £4.95 | 解放する／自由な for 基金s? | 解放する／自由な for income 基金s | More 詳細（に述べる）s |
| Charles Stanley Direct* | 0.35%? | No 壇・綱領・公約 料金 on 株 if a 貿易（する） in that month and 年次の max of £240 | 解放する／自由な | £11.50 | n/a | n/a | More 詳細（に述べる）s |
| Fidelity* | 0.35% on 基金s | £7.50 per month up to £25,000 or 0.35% with 正規の／正選手 貯金 計画（する）.? | 解放する／自由な | £7.50 | 解放する／自由な 基金s £1.50 株, 信用s ETFs | £1.50 | More 詳細（に述べる）s |
| Hargreaves Lansdown* | 0.45% | Capped at £45 for 株, 信用s, ETFs | 解放する／自由な | £11.95 | £1.50 | 1% (£1 min, £10 max) | More 詳細（に述べる）s |
| Interactive 投資家*? | £4.99 per month under £50k, £11.99 above, £10 extra for Sipp | 自由貿易 価値（がある） £3.99 per month (does not 適用する to £4.99 計画（する）) | £3.99 | £3.99 | 解放する／自由な | £0.99 | More 詳細（に述べる）s |
| iWeb | £100 one-off 料金 (waived until July 2024) | £5 | £5 | n/a | 2%, max £5 | More 詳細（に述べる）s | |
| ?Accounts that have some 限界s but attractive 申し込む／申し出s | ? | ? | |||||
| Etoro*??No 投資 基金s or Sipp | 解放する／自由な | 投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs. | Not 利用できる? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 貿易（する）ing 212*? | 解放する／自由な? | 投資 account 申し込む／申し出s 在庫／株s and ETFs. Beware high 危険 CFDs.? | Not 利用できる? | 解放する／自由な? | n/a? | 解放する／自由な? | More 詳細（に述べる）s? |
| Freetrade* No 投資 基金s | ?Basic account 解放する／自由な,? 基準 with Isa £4.99, 加える £9.99 | Freetrade 加える with more 投資s and Sipp is £9.99/month inc. Isa 料金 | No 基金s? | 解放する／自由な? | n/a? | n/a? | More 詳細（に述べる）s? |
| 先導??Only 先導's own 製品s | 0.15%? | Only 先導 基金s | 解放する／自由な? | 解放する／自由な only 先導 ETFs? | 解放する／自由な? | n/a? | More 詳細（に述べる）s? |
| (Source: ThisisMoney.co.uk May 2024. Admin % 告発（する），告訴（する）／料金 may be 徴収するd 月毎の or 年４回の | |||||||
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