Make the most of tax-free returns

Do you have some unused ISA allowance for this tax year?

Understand your options and find the ISA that’s best for you and your money. That’s another task you can tick off your to-do list.

The benefits of a Saga Cash ISA

• Save tax free* with no fees or charges
• 4.30% AER†/ 4.22% tax free* (variable) including a bonus rate of 0.49% tax free* fixed for the first 12 months
• Interest calculated daily and paid monthly

* Tax free is the rate payable where interest is exempt from UK income tax. Your savings balance will be eligible for this tax benefit for so long as it is held in a valid cash ISA account. † AER stands for Annual Equivalent Rate and illustrates what your rate would be if interest was paid and compounded once each year.

The Saga Cash ISA is provided by Goldman Sachs International Bank and is available to UK residents aged 18 and over.

Your ISA contributions - It’s your responsibility to keep track of the contributions you make to the ISAs you open and hold. Each tax year, the government sets a contribution limit for ISAs, and for 2024/2025 it’s £20,000. That’s the total amount you can pay into any ISAs you hold this tax year.

Important information - As your money is invested, the value of your investments can rise and fall, so you could get back less than you invest. Tax rules can change and the value of any tax benefits depends on your personal circumstances.

The Saga Stocks & Shares ISA

If you've still got any unused ISA allowance this tax year, even if you've already paid into one, then the Saga Stocks & Shares ISA is a tax-efficient option.

• Start investing with as little as £100.
• Invest up to £20,000 (the current ISA allowance for this tax year).
• Pay no Capital Gains Tax or Income Tax on any investment returns.

You have a choice of three ready-made portfolios: Cautious, Balanced, and Adventurous.

Each portfolio comes with a different investment objective and level of risk. You just need to choose the one that aligns best with your needs and goals. Saga's investment portfolios are designed and maintained by HUB Financial Solutions Limited.

Our service, which is not personal advice, is designed for investors who are happy making their own investment decisions. If you're unsure what's right for you, please seek advice.

The Saga Stocks & Shares ISA is provided jointly by HUB Financial Solutions Limited and Hubwise Securities Limited (Hubwise).