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Stocks and shares ISAs

If you’re a UK tax-payer, you haven’t used your ISA allowance for this year, and are over 18, you can invest up to £20,000 tax-free in a stocks and shares ISA. You invest in a fund, and the fund manager invests in a wide range of investments on your behalf, helping to spread your risk. You benefit from the fund manager's experience, but you will have to pay the charges levied by the fund.