Individual Savings Accounts were introduced to replace the earlier Personal Equity Plans (PEPs) and allow you to save tax free. Any capital gains within an ISA do not attract capital gains and any dividends received do not attract income tax. This makes them ideal long-term savings vehicles.

Within an ISA each adult can invest £20,000 each year, this means couples have the ability to put up to £40,000 a year into an ISA. Overtime these savings account have the capability to build up a considerable lump sum. Even if your means are less than this by setting up a standing order and drip-feeding money into an ISA on a monthly basis you can still build a significant capital sum.

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