Share, and it's different companies doing different rates as well, right?

Yeah, I found they were good as well.

I mean, I don't say that because of the 100-pound gift card.

They do as well?

Yeah, that's what it is.

That's a shared dealing.

It's all tax-free what you earn, you don't pay capital gains when you sell it, you don't pay any income tax on what you earn on interest or dividend, profit, anything, it's all tax-free, and there's no limit to how much you can have in it, but you can only put 20,

20,000 a year, so from when you're born, you put 20,000 every year to the year.

But 20,000, for example, as three persons, for example, is 600 over the year, you just don't pay tax on that 600.

Yeah, and if you take the money out, the capital out, you can't put it back in.

In that year?

Yeah, you can put the same amount back in in the year where you took out, but the limit will be if you open the account this year, and now it's financial year since April, till next April, you can put only 20, and then after April, you can put another 20, and then whatever you earn, it's

interest-free. Thank you very much.

Thank you.

Thank you.

Okay, you're not putting that much, and you're not leaving that much.

It's good to have an ISA, you know, for, like, kids get older and you want to buy them a house in the right time in 10 years or whatever, in that 10 years, you could have put 100,000 and not paid any tax on the investment that you make.

Yeah, but should 100,000, you should have that spare to come.

No, I mean, in general, but if you start, like, I've always, I'm never going to take an ISA until I really have a problem because I've got plenty in the ISA, and if I take that out, I'll lose the tax-free benefit of what is in there, even if you put

20 pounds a month, you know, till you get to 60, it's been growing, it's a lot, and you didn't pay tax on it.

But I think they can't have it before they get 18 themselves.

There's also, there's something called the junior ISA, so you can get that for them, kids can get it as well.

Lots of people do that. All the people I know who's smart with money, they open ISA for the kids and stuff.

It's between cash ISA and stock and share ISA.

Cash ISA, so a savings account at the bank, you just get interest on it.

Yeah.

It's the same, but it's tax-free.

But, yeah.

The only thing, you know, people weren't that bothered, stocks and shares ISA, you can invest it into there.

For example, you open an account with a broker like AJ Bell, you can pour up to 20,000 a year in the account.

You can leave it as cash, but it doesn't add any interest.

And then you use that money to buy investments that make money for you.

Oh, so it's not giving you interest?

It's investment.

It's not interest.

It's not interest.

You can buy shares that you choose or you can buy funds.

Funds.

Oh, rather than putting from your main bank account, you do it from this one?

Yes.

Yes.

And then whatever you earn is...

Or if you don't go for the ISA option, because if you're planning to take it out in a year anyway, there's no point.

You can put it in a normal...

You can open a trading account.

You just put the money in.

Same as whether you use Revolve and you use it to buy and sell.

And the fee is like 5.95 to buy and 5.95 to sell, regardless of how much you buy.

On the funds, they have their own managed funds as well.

AJ Bell managed funds.

On those, it's free or it's like 99p to buy.

For example, we have a junior ISA one and we put a fixed amount every month in.

So when she's 18, she's in control of it.

But in the meantime, we put a couple hundred every month.

And she's earning tax-free.

She's been growing at about 20% average.

And in that one, I picked the funds that's more slowly growing but safer.

So the short-term doesn't look as good.

For over 18,000, it's going to do better.

Because that's really a long-term investment we're talking about here, not like

commodities or something.

No.

But there are funds as well that invest in commodities.

Even the funds, ETFs they're called, exchange-traded funds, they're high-risk ones and low-risk

ones.

So in hers, it's like a long-term, slow-growing one.

Whereas if you want to see what you can make in the next one year, there are high-risk

ones as well.