Ollie
Smith:
What
were
you
doing
in
1999?
Me,
I
was,
er,
7.
Kenan
&
Kel
were
on
the
telly,
Mambo
No.
5
was
in
the
charts,
and
Freddos
cost
10p.
Life
was
good.
But.
Something
more
serious
was
going
on
in
Whitehall.
No,
not
Peter
Mandelson
and
the
Millenium
Dome
saga.
Not
even
John
Prescott
and
the
debacle
over
the
privatisation
of
air
traffic
control.
The
ISA.
That’s
right,
6
April
2024
is
the
25th
anniversary
of
the
launch
of
the
humble
Individual
Savings
Account.
And
there’s
plenty
to
celebrate.
By
the
Treasury’s
reckoning,
the
combined
value
of
all
adult
ISAs
was
around
£741.6
billion
in
2022.
It’s
a
colossal
success
story.
The
ISA
has
become
a
great
vehicle
for
Britain’s
savers
to
park
their
cash,
and,
hopefully,
some
tax-sheltered
equity
returns
too.
But
25
years
on,
there
are
some
big
questions
to
answer.
Like
any
young
person
celebrating
their
mid-mid-century,
the
demands
of
maturity
are
bearing
down.
In
this
case,
rather
than
urging
ISAs
to
move
out
of
the
family
home,
get
a
job,
and
start
doing
their
own
laundry,
policy
makers
are
asking
this.
Does
the
general
public
know
enough
about
ISAs?
Does
it
know
enough
about
finance
full
stop?
And,
in
an
era
of
seemingly
ambitious
additions
to
the
ISA
product
range,
has
it
all,
frankly,
become
a
bit
too
complex?
And
that’s
just
the
start.
This
week,
we’ll
answer
all
your
burning
questions.
From
best
ISA
rates
to
ISA
taxation
and
costly
errors,
we’re
here
to
explain.
But
we’ll
also
ask
what
more
can
be
done
to
put
stocks
&
shares
investing
front
and
centre
–
and
even
revitalize
that
beleaguered
British
stock
market.
Is
the
ISA
the
answer
to
that?
Perhaps
not.
Sorry
to
be
a
party
pooper.
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