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Savings and investment strategies will differ depending upon your personal circumstances. For that reason we suggest you contact an FSA regulated independent financial advisor before making decisions.

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Rates of taxation and tax relief may change from time to time. The level of relief you qualify for will depend on your personal tax situation.

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tax-free ISA allowance 2012

Take advantage of your tax free ISA allowance to invest up to £5100 before April 5th 2015 in a cash ISA. (£10,200 can go into a stocks and shares ISA). A number of Cash ISAs accounts also allow you to transfer in money invested in the previous tax year, so you can maximise returns on all your tax-free savings. see our best cash isa rates.

Once you money is in a cash iSA, it remains tax-free year on year, but if you don't use a single year's allocation you lose it, you cannot carry it forward. see cash isa limit or cash isa rules