Many people may not think they need to use ISAs, either because they are not aware of the tax benefits or because they think their current circumstances mean there is no particular benefit.
Don’t be put off by Brexit
While it is understandable that people are worried about the uncertainty that Brexit and other short-term political dynamics are creating for stockmarkets, it is important to remember that there is a difference between putting money into your Isa and actually investing it.
The annual Isa allowance is a use it or lose it tax break. You can’t roll it over to other years like the annual pension or capital gains tax allowances.