WEBVTT

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Hello, I am Clare, Savings
and Investments Director

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at Smart Investor.

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I am going to talk to you
about ISA flexibility.

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Please be aware though, we can not offer

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personal advice so if
you do not feel confident

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about making an investment
decision on your own,

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do seek independent financial advice.

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ISAs have been made more flexible

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for savers and investors
over recent years.

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For example, you can now
withdraw money from an ISA

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and return it in the same tax year,

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without this counting towards
that year's ISA allowance,

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which is currently £20,000.

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Let's say, for example,
you had already put £15,000

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of your £20,000
allowance into an ISA,

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but take £5,000 out.

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You could pay that back
in plus the £5,000

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you have not already used
before the end of the tax year.

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At Barclays we offer a flexible ISA,

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but not all providers
do, and some may only

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apply it to specific products
so it is worth checking

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before you open an account if you think

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it is a feature you might make use of.

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We have got lots more videos
about ISAs and investing

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on our website, so take
a look and find out

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more about how the rules work.