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You asked: What is the difference between a Cash ISA and a Stocks and Shares ISA (sometimes called Investment ISA)?
A Cash ISA is a savings account that pays a rate of interest which you do not pay tax on. You can choose from different kinds of accounts, including instant access and fixed term accounts, so you can access your money as and when you need it. This makes Cash ISAs useful for short term savings. A Stocks and Shares ISA, like the Aviva Stocks and Shares ISA, usually lets you hold different types of investments — including funds, shares and fixed interest investments such as gilts or bonds - all within the same account. Any increase in value of the investments in a Stocks and shares ISA is largely free of Income Tax and Capital Gains Tax. Stocks and Shares ISAs are usually considered as a medium to long-term investment, say 5 years or more. Investments in Stocks and Shares ISAs aren't guaranteed, their value can go down as well as up and you may get back less than you invest. See learn more about investing for more information.
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