Have you got rainy day plans for your money? Individual Saving Accounts, or ‘ISAs’. An ISA is a way of holding savings or investments without paying personal tax on interest. The tax year deadline is 5 April 2020, if you don’t use your 2019/20 ISA allowance by 5 April 2020, it’ll be gone for good. You could choose from a variety of ISA products that could suit your needs for example a Stocks & Shares ISA for investments and growth that is tax efficient. Seeking professional financial advice could help you to decide if an ISA product is right for you.