What is the difference between a mini Isa and a maxi Isa?
Answers:
Maxi ISAs
This is where you put your whole annual ISA allowance – currently up to £7,000 – into one overall account with one ISA provider (known as an ‘ISA Manager’). It will normally be a stocks and shares account, though some Maxi ISAs may let you put some of the allowance into cash, for which the current annual limit is £3,000.
Mini ISAs
Investing in Mini ISAs means you could open up separate ISA accounts with different ISA Managers: one for cash and one for stocks and shares. The annual limits are £3,000 for a cash ISA and £4,000 for a stocks and shares ISA.
You can invest a maximum of £3000 in a mini and £7000 in a maxi.
It has not been pointed out that you cannot have both in the same tax year..
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