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On a frosty day in January, the looming tax year end reminds savers of their £20,000 ISA allowance, with various options available including cash ISAs offering up to 5.01% rates and stocks and shares ISAs for long-term growth. A Lifetime ISA, ideal for first-home buyers, offers a 25% government bonus but has withdrawal restrictions. Recent trends show a surge in cash ISAs due to high interest rates, while stocks and shares ISAs saw increased activity before the Budget, and Lifetime ISAs had a record year in contributions with potential changes on the horizon.
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