Hello, I am Clare, Savings and Investments Director
at Smart Investor.
I am going to talk to you about ISA flexibility.
Please be aware though, we can not offer
personal advice so if you do not feel confident
about making an investment decision on your own,
do seek independent financial advice.
ISAs have been made more flexible
for savers and investors over recent years.
For example, you can now withdraw money from an ISA
and return it in the same tax year,
without this counting towards that year's ISA allowance,
which is currently £20,000.
Let's say, for example, you had already put £15,000
of your £20,000 allowance into an ISA,
but take £5,000 out.
You could pay that back in plus the £5,000
you have not already used before the end of the tax year.
At Barclays we offer a flexible ISA,
but not all providers do, and some may only
apply it to specific products so it is worth checking
before you open an account if you think
it is a feature you might make use of.
We have got lots more videos about ISAs and investing
on our website, so take a look and find out
more about how the rules work.