If you are the spouse or civil partner of Individual Savings Accounts (ISA) savers who died on or after 3 December 2014, this account will enable you to benefit from an additional ISA allowance known as an Additional Permitted Subscription (APS).
Depending on your financial goals and plans for the future, if you can afford to put your money away for the medium to long term (five years or more), then you might be interested in investments. They give you the potential to make higher returns over the longer term than saving.
Stocks and Shares ISAs are a tax efficient way to invest giving you the potential for higher returns for the medium to long term (five years or more). All investments carry varying degrees of risk to your money.
The value of investments and any income from them can go down as well as up and you may get back less than the full amount you invest.