Depends if you want to use a variable rate isa as a savings account that you can put money into regularly and do some withdrawals, or a fixed rate and term isa when a lump sum is to be invested for a time and more deposits and withdrawals are not normally allowed. There are non-cash isa accounts which invest in shares held in a fund and your money buys a number of shares and the price of a share can go up and down during the period of investment
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