Investing early can pay off!

It’s a new tax year and to make sure you make the most of your ISAs, here are a few reminders for the new financial year 2026/27:

• Each new tax year you can open and pay into one of each of the following ISA types – Stocks & Shares ISA, Cash ISA, Lifetime ISA, and Innovative Finance ISA.
• You can pay into a Stocks & Shares ISA if you are a UK resident aged 18+.
• You will need to make sure you do not exceed the annual ISA allowance for the upcoming tax year (April 6th to April 5th of the following year). This year’s limit remains at £20,000.
• You can transfer ISAs you opened in a previous tax year and this will not affect your current ISA allowance.
• The Junior ISA limit for 2026/27 remains at £9,000.

Investing early in the tax year maximizes investment growth through compound returns and immediate tax-free protection for Stocks & Shares ISAs. By investing at the start rather than the end of the tax year, investors can potentially gain thousands more.

If you would like to discuss any elements of an existing or new ISA account, please contact your usual adviser or call us  on 01676 523550.