What are I S A 's
 
The Structure of ISA's
Are you Eligible?

If you are aged 18 or over and resident in the United Kingdom for tax purposes or an employee of the Crown working overseas and treated as a resident. You cannot hold an ISA in joint names or hold one on behalf of another.
How much can you Invest?
 You can invest a maximum of £7,000 during the 2000/2001 tax year, £5,000 thereafter. You can invest either through a lump sum or regular contributions, although different ISA providers have different minimum amounts you can invest.
Mini, Maxi or Tessa-ISA?

Mini-ISA
Up to three separate plans and managers, one for each component.
Cash
Up to £3,000 during 2000/2001 tax year, £1,000 thereafter.
Insurance
Up to £1,000.
Stocks & Shares
Up to £3,000.

 Maxi-ISA
One plan, one manager
Cash
Up to £3,000 during 2000/2001 tax year, £1,000 thereafter.
Insurance
Up to £1,000
Stocks & Shares
The remaining balance, up to £7,000 during 2000/2001 tax year, £5,000 thereafter.
TESSA-ISA

enables you to transfer the entire capital proceeds from your maturing TESSA in a TESSA only ISA.
This does not affect the amount you can put into a maxi or a mini ISA.
The Cash Component

Can include:
Bank & Building Society deposits.
Cash Unit Trusts.
Money Market funds.
All National Savings products except Savings Certificates & Premium Bonds. 
The Life Insurance Component

Can include:
Life assurance polices- must be on the life of the ISA investor alone, no joint life policies.
Cash - if being held to invest in life assurance. 
Cannot include:
Annuities
Bonds
Pensions

The life product is intended for savings rather than insurance, through a range of unit-linked and with-profit savings options. 
Stocks & Shares Component

Can include:
Individual shares on any recognised stock exchange.
Unit Trusts
OEICs
Corporate Bonds
Gilts
Shares received through approved employee savings-related share option (SAYE) and profit sharing schemes.
Cash, if held for the purchare of above investments.
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