The value of investments (and any income received from them) can fall as well as rise and you may not get back what you invested. For some investments this can also happen as a result of exchange rate fluctuations as shares and funds may have an exposure to overseas markets. Investing should be seen as a medium to long term proposition, for example at least 5 years.

The value of tax benefits provided by a cash ISA depends on individual circumstances and tax rules may change in the future.

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