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There are two types of ISA accounts available from banks and building societies; cash ISAs and stocks and shares ISAs. A cash ISA is widely used for personal savings; those moments where you’re saving some money for a rainy day. However, stocks and shares ISAs are different. The principle of an ISA remains the same, but this account type carries a higher degree of risk with the potential of a bigger return. So, what should you consider when you’re applying for a stocks and shares ISA?

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