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ISAs on MSN Money

A cash ISA works like a tax-free savings account (Image © Getty Images)What are the tax benefits?

With rates so low it's more important than ever to ensure any savings you have are working as hard as possible for you and paying tax on what little interest you earn is something to be avoided at all costs. Find out about all the tax benefits of investing your money in an ISA.

ISAs are a good idea – and can be a useful way to save tax (Image © Getty Images/Tanya Constantine)How much and how often can I invest?

ISAs are designed to encourage more of us to put money aside for the future by offering tax perks on our savings and investments. But are you sure how much you are allowed to put into an ISA? Find out the details here.

A balance weighing money (Image © Getty Images/Kazuhiro Tanda)Cash or stocks and shares – which is right for me?

If you don’t want to take any risks with your money you should stick with a cash ISA. But if you are prepared to take a bit of a gamble in the hope of a higher return, then you could look at stocks and shares ISAs. Naomi Caine assess the pros and cons.

Have your say: how to save

Join the latest debates on the MSN Money message boards (Image © Martin Keene/PA Photos)

Elsewhere on MSN

The Foundation for Credit Counselling, based in Leeds, is the umbrella charity for the Consumer Credit Counselling Service (Image © PA Photos)Consumer Credit Counselling Service

Through its free national telephone service, ten regional centres and online Debt Remedy, CCCS is able to help people with debt problems wherever they live.

Compare the best ISAs at a glance (Image © Getty Images)Compare ISAs

It's hard to choose the right ISA for you, so we've teamed up with Monesupermarket to help you narrow down the choice so you can find the right investment for you.

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MSN Money Poll

  1. How much are you planning to save in an ISA this year?

Vote to see results

Click here to see results without voting

  1. How much are you planning to save in an ISA this year?
    1. The maximum amount possible – It’s important to save these days
      65%
    2. About half the ISA entitlement if I can afford it
      12%
    3. Not that much – the rates are terrible this year
      11%
    4. I can’t afford to save anything this year
      9%
    5. I save and invest in other ways
      3%
113 responses, not scientifically valid, results updated every minute.

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