"This tax year (2025/26), you can add up to £20,000 to one ISA or split the money between several of the various types; the most used being Cash ISAs and Stocks & Shares ISAs. Whichever type of ISA you invest in you pay no income or capital gains tax (CGT) on the returns - no matter how much they are."
"Choose a multi asset fund that offers a diversified portfolio in one easy-to-buy investment, designed to meet a broad risk profile. This way, your funds are actively managed by a dedicated portfolio management team, which means you do not need to monitor and change individual funds, shares or other assets in your portfolio - it's done for you. Some multi-asset funds invest in other funds as well as other assets across a variety of areas."
ISAs allow tax-free saving and investing, with the 2025/26 allowance at £20,000 per individual until 5 April 2026. Money can go into a single ISA or be split between types such as Cash ISAs and Stocks & Shares ISAs. Returns inside ISAs are free from income tax and capital gains tax regardless of size. Investors can secure the allowance with cash and decide later, but holding cash may fail to keep up with inflation. Multi-asset funds offer diversified, actively managed exposure in one easy-to-buy investment. Self-directed investors can choose from funds, shares, gilts, bonds and investment trusts; provider preferred lists can help narrow options.
Read at London Business News | Londonlovesbusiness.com
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