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I havent opened an ISA this year. My savings will be no where near the PSA. Would I better off choosing one over the other between the ISA or GIA?
Worth a punt for £50 I want to invest in a GIA and get my payment in dividends as I've plenty of slack in the tax free allowance there, but I can run close to the £1000 tax free allowance for the interest along with my savings, although the plummeting rates are making that one easier too Not sure where the break would be for interest/dividend payment though, i.e. lowest risk one will be interest, the 2nd highest risk one which looks like it might break the 60% bonds and be an interest payer payer so not sure, other 3 would be divis.
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