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  • Where can you put some savings if you've used up your ISA allowance for the year? I've put a lump sum in pension, but have a little more than I dont want to leave depreciating in savings/ current account.

  • Most of the usual platforms e.g. Vanguard, offer a general investment account (GIA) which can sit alongside your ISA. They are taxable accounts but each tax year you have an allowance on capitals gains (£12,300 for 2022/23) and dividend income (depending on your tax-rate).

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