Gosling's Grouse: Sowing the seeds

Sowing the seeds

On the face of it, it would seem obvious that everyone in regular employment should either have a pension or an ISA, and preferably both.

Auto-enrolment (AE) has brought many more people into the realms of pensions, although there are still as many people excluded from AE due to their age as there are included. While successive governments will hopefully address this problem, I wonder what can be done to make ISAs more accessible? Currently, there is far too much money sitting in cash ISAs earning virtually nothing, so whether they are tax-free or not is largely irrelevant. ISAs become useful when the saver has a purpose, which is why the advent of Junior ISAs has been so welcome, as a way of potentially saving for high...