Thisis Money has compiled everything you need to know about selecting thebest Individual Savings Accounts, otherwise known as Isas
Isa rate latest: Today's best rate is 2.6 per cent from Coventry BS. If you are prepared to tie yourself up to a fixed rate deal, you can get as high as three per cent from Halifax for three years
If you are simply looking for the top rates, go straight to our best-buy tables, which are updated daily: Best cash Isa tablesPredictions: What next for savings rates? | What next for stock markets? MUST READ! This is Money's expert Isa recommendations for 2013
Quintessential reading for Isa savers, we've scoured the savings tables to find deals genuinely good all around deals:- Our favourite 5 cash Isas for 2013- Top five cash Isas that allow transfers in- Flurry of best buy fixed-rate cash Isas launched as end of tax year looms - but should you fix?Latest cash Isa reports:- Building societies make first move with cash Isas for new tax year, but savers are left with the same old sinking feeling- 'Cash Isa rates are poor, but it's still worth growing riches,' admit families eager to secure future- What are the Isa transfer rules and how do I stop my rate crashing?- JEFF PRESTRIDGE: Osborne must nurture a new savings culture and raise the cash Isa level- Could swingeing cuts to savings rates make 2013 the worst cash Isa season ever?- Savers lucky to get 2% as they face bleak choice of poor cash Isa rates- Best buy cash Isas taken a year ago to see rates crash by 85% as year-long bonuses fall away- Cash Isa choices dwindle for savers as the average rate drops by almost a third in just a year- LEE BOYCE: It's good news as two savings providers bump up Isa rates for existing customers - so what's the catch?- Move your cash Isa now to avoid a sharp rate dip as bonus periods come to an end- How to start saving, beat the taxman and track down the best rates- Experts fear 'subdued' Isa season thanks to bank funding scheme after two more best-buy savings deals vanishCash Isa account news:- Coventry BS makes the running with new best-buy cash Isa for the coming tax year - and saving will help Poppy Appeal- Building societies make first move to launch cash Isas for new tax year – but are they any better than what is currently on offer?- Tesco Bank ups the rate on its instant-access cash Isa to 2
3% - and it won't all fall away in a year- Will this make up for record low rates? Halifax offers three £250k jackpot wins in May Savers Prize Draw to win Isa cash- Virgin Money launches inflation-beating cash Isa with a 2
75% rate - but savers must fix for FIVE years to get it- Good news for cash Isa savers at last as Nationwide hikes rates on easy-access account and launches new fixed rate deals- Coventry BS increases its variable cash Isa rate to 2
5% in a boost for 250,000 savers on a lower deal- More than 95,000 savers with National Savings & Investments to see rate jump by 1
75 percentage pointsESSENTIAL GUIDE: How to save or invest in an Isa Welcome to our Isa centre 2013! Isas remain one of the best ways to save money
You can put up to £11,520 a year into an Isa (2013-2014 limit), and any returns are paid tax-free
The first thing to know is that you can put your money in either a cash Isa (basically a savings account) or into a stocks and shares Isa (normally a fund that will pick shares, property or bonds on your behalf)
Alternatively, you can split your allowance between the two. The maximum you can put in a cash Isa is £5,760, though, whereas all £11,520 can go into a stocks and shares Isa
You can only contribute to one cash Isa and one stocks and shares Isa each tax year
Your first step should be to read this guide to tax-free investing. The next step is to check out the latest news above and advice-packed tips and tools below
Every year the Isa allowance is set to increase with inflation.Happy (and lucky) saving and investing, Lee Boyce, savings correspondent, This is Money RELATED ARTICLES Previous 1 Next Tables: Best cash Isa rates Our favourite Isas for 2011 Share this article Share Cash Isas are fairly simple so there's no excuse for accepting a bad deal
You just need to do your homework - we've done most of that for you so you just need to use the links
(to find the best rates, click here).It is worth mentioning Funding for Lending at this point - it is has played havoc with savings rates in the previous months, and has seen cash Isa rates tumble
For more information on this, read our 'What Next for Savings Rates' round-up. Isas that invest in shares and funds are a little more complicated
The aim is to pick funds that deliver high returns for the lowest risk - but that also carry low charges
Until 5 April 2014, everyone over 18 years of age will be able to save up to £11,520 per annum in an investment Isa, minus anything up to £5,760 held in cash
Independent financial advisers can help pick these, but you will pay the full charges on funds in return for this advice (these fees are discounted if you use a fund supermarket)
Some experts argue that novice investors should begin with index trackers, low-cost funds that mirror the stock market, or global investment trusts
[Cheapest index trackers]The funds the experts recommend:First-time investorsLooking for a solid and safer investment? Read these expert fund tips
Higher incomeWant to boost your income or target those investments that focus on high income? Read these expert fund tipsEmerging MarketsWant to invest in the emerging market economies that promise higher growth but more risk? Read these expert fund tipsYou may feel more comfortable using an adviser to help you make your decision (find an adviser)
You can buy your funds at a deep discount through our Fund Supermarket. This is Money, as well as Financial Mail and Money Mail, our sister titles, regularly focus on a fund to see whether it's worth investing in
These fund tips are blended together with share tips here: ›› Full archive for fund tips and shares tips Find the cheapest fund supermarketYou can buy funds through a fund supermarket or via a discount broker at a fraction of the price of going direct to a provider
Read our guide. CALCULATORSIsa/fund chargesCalculate how much an Isa charge eats into your savings
Inflation dangerHow changes in inflation will impact on your savings.Long-term savingsHow compound interest will affect your long-term saving rate
Direct investment calculatorThe cheapest way to buy Isa funds is via a fund supermarket
Our calculator shows how much quicker your money will grow.
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