Martin Jones: Four ways to simplify ISA saving

'ISAs are too complicated'

clock • 3 min read

Martin Jones looks at the complicated world of ISA investing and proposes four changes to simplify the process to make life easier for advisers and clients...

ISAs are too complicated. This has been an emerging theme over the last six months, with several independent bodies commenting on the growing level of complexity in the ISA landscape.  This has come in the form of new rules (flexible ISA, additional permitted subscriptions) and new ISA types (Innovative Finance ISA, Help to Buy ISA, Lifetime ISA).    New rules and ISA types mean more options for investors.  As we've seen with pensions, however, an increasing ‘complexification' could lead to fewer people saving and investing tax-free for their future. This is not in the interest of ...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on ISAs

Lifetime ISA penalties sting more than 150,000 savers

Lifetime ISA penalties sting more than 150,000 savers

Triggered almost £119m in withdrawal charges

Laura Miller
clock 16 September 2026 • 4 min read
Beyond 'patronising' narratives: Culture and circumstance as gender ISA gap drivers

Beyond 'patronising' narratives: Culture and circumstance as gender ISA gap drivers

Caring responsibilities often mean women have less left to put aside

Sophia Panayi
clock 11 August 2026 • 3 min read
Investment ISA cash interest changes: Yet more stick, no carrot

Investment ISA cash interest changes: Yet more stick, no carrot

'These measures fail to recognise that cash is used intentionally by savers as a strategic asset'

Kate Toumazi
clock 15 July 2026 • 4 min read