Forward Diary

What can be included in your ISAs

What can be included in a Cash ISA • Cash deposited in bank and building society accounts • National Savings & Investments (NS&I) products specifically designed for ISAs • Alternative finance arrangements such as Sharia-compliant products • Shares in companies and collective investment schemes that fail to meet the qualifying conditions for Stocks and Shares ISAs • Life insurance policies that fail to meet the qualifying conditions for a Stocks and Shares ISA • Structured deposits What can be included in a Stocks and Shares ISA • Shares issued by companies listed on a recognised global stock exchange • Corporate bonds, assuming they are at least five years from redemption and pay a fixed rate of interest • UK government bonds, known as Gilts, and similar securities issued by other countries in the European Economic Area, subject to the same conditions as corporate bonds (see above) • Units or shares in funds authorised by the Financial Services Authority (FSA) such as unit trusts or OEICs (Open Ended Investment Companies) • Shares and securities in investment trusts or companies • Units or shares in UCITS (Undertakings for Collective Investment in Transferable Securities) funds. These are funds based in the European Union (EU) that are similar to authorised unit trusts and OEICs. • Units or shares in non-UCITS schemes authorised by the FSA for sale to retail investors in the UK • Shares which have been transferred from an HMRC-approved employee share scheme, such as a SAYE share option or Share Incentive Plan • Qualifying life insurance policies • Stakeholder medium-term products • Exchange-traded funds (ETFs) • Exchange-traded commodities (ETCs)

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