UK ISA Research
Long-form research notes drawing on HMRC ISA statistics, FCA data, and historical UK market series. Updated as new data publishes.
Cash ISA vs Stocks & Shares ISA — Long-Run Returns
A multi-decade analysis of typical real returns: cash 1.5-2% real vs S&S 4.5-5% real, with volatility-adjusted comparisons.
The LISA Net-Loss Arithmetic
When the 25% Lifetime ISA bonus turns into a net loss after early-withdrawal penalty — the 6.25% breakeven floor.
UK ISA Wrapper Mix Shift 2014-2024
How the ISA wrapper distribution shifted from 80% Cash to 60% Cash + 35% S&S + 5% other over a decade.