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Hello and welcome to the cunningly named the Martin Lewis podcast.

I do wonder what that's going to be about.

And this is a pod-only ISA special.

I'm doing all on my Todd, taking you through some urgent decisions about ISAs for those with savings

and answering a host of your questions.

In this pod, I'll cover. Is the £20,000 cash ICER allowance about to be cut? And if so,

what should you do? The basics of how cash ICS work. What should you do with old ICS and do

previous years, ISIS affect this year's allowance?

Then on to Cash Isis versus Shares Isis. Which one is right for you?

And then a host of Miscellany from Isis to 18 year olds to monthly interest Isis and how Isis interact with the personal savings allowance. Yes, I say, I say, I say, it's a lot of Ices. Yes, basically,

everything you've ever wanted to know about Isis, but were afraid to ask, except you weren't

afraid you did ask and I'll try and answer. Let's get on with this. Play the theme tune. I got meals I got to pay

So I'm going to work for a

In fact in central

Central London There's a little sign that says ICER, which I think probably stands for

internal security area. But it seems fitting for me today. I've always walked past it. Never has

been more relevant. I want to go through all of your questions. I'm going to start with Bob on

Twitter, who says, should I top up at the beginning or the end of the

tax year? And that is, of course, because we have just had a new tax year start on the 6th of April,

so everybody has a brand new £20,000 ICER allowance to shelter your savings or your investments

from tax. So while I may have talked about this in the middle of March, it might seem

...