What has changed
The ISA allowance is frozen, but with the dividend and capital gains allowances cut, sheltering savings and investments inside an ISA is more valuable than ever.
Who it affects
Savers and investors holding money outside tax wrappers.
What you should do
Use your ISA allowance each year where you can, to shelter interest, dividends and gains from tax.
As other allowances shrink, the humble ISA has quietly become one of the best tools available. Using the allowance each year is a simple win.