From 6 April 2027, the annual limit on the amount that can be paid into a cash ISA will be reduced to £12,000 for people aged under 65, down from the current £20,000 limit. The overall annual ISA allowance will stay at £20,000, meaning the remaining £8,000 can be used in other ISA types, like a stocks and shares ISA.
While this change is still some way off, it has already prompted many savers to rethink how they use cash and investments together.
New research from Barclays* suggests that rules alone do not change behaviour. Confidence, understanding, and planning still matter most.
*Source: Barclays launches the Investment Readiness Index – a new biannual measure of UK investment culture | Barclays
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