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ISAs
Cash ISA's are an absolute must if you have already have cash in building society or bank savings accounts, as you get the same interest rates, but paid gross without deduction of tax. This is true whether you pay standard rate or higher rate.
Shares ISA's are another matter, for standard rate payers, since their charges can outweigh the benefit of avoiding capital gains tax, ever since Gordon Brown took away the tax relief. Higher-rate payers might still think these are a good idea, with higher-rate savings maybe outweighing the charges.
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Some useful links:
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