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Which account should my money go in?

The account matters as much as the investment: the same fund can be tax-free in an ISA, get a top-up in a pension, or be taxed in a general account. Answer a few questions for the usual order. Rules for 2026/27, updated for the 28 October 2026 Budget.

For a typical 30-year-old investing for 10+ years

Stocks & Shares ISAThen
Up to £20,000 a year with no tax on gains or dividends, ever, and you can take money out any time. For most goals five years or more away, this is the default home for investments.
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Rules of thumb, not personal advice. Your circumstances (benefits, student loans, other income) can change the best order. For advice on your situation, use a regulated financial adviser; free guidance is available from MoneyHelper.

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