Cash ISAs versus stocks and shares ISAs

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Ruth Emery, deputy editor of Money Observer, discusses the key differences between cash and stocks and shares ISAs, and which type might be right for you.

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Nationwide Building Society MySave Online Plus	3.17% AER (Easy access)
Coventry Building Society Online Saver (3) Monthly	3.15% AER (Easy access)
ING Direct Savings Account	3.1% AER (Easy access)

Tesco Bank 1 Year Fixed Rate Saver Monthly	3.5% AER (Fixed for 1 year)
United National Bank One Year Fixed Rate Deposit Account Monthly	3.45% AER (Fixed for 1 year)
United National Bank One Year Fixed Term Deposit (Internet) Monthly	3.45% AER (Fixed for 1 year)

Yorkshire Bank 3 Year Term Deposit Monthly	3.9% AER (Fixed for 3 years)
Clydesdale Bank 3 Year Term Deposit Monthly	3.9% AER (Fixed for 3 years)
Halifax Fixed Online Saver - 3 Year Term Monthly	3.85% AER (Fixed for 3 years)

State Bank of India 5 Year Hi Return Fixed Deposit Monthly	4.5% AER (Fixed for 5 years)
BM Savings 5 Year Fixed Rate Bond Monthly	4.4% AER (Fixed for 5 years)
Yorkshire Bank 5 Year Term Deposit Monthly	4.25% AER (Fixed for 5 years)

First Direct Regular Saver Ex/C	8% AER (Regular savings)
HSBC Regular Saver (Premier, Advance, Passport) Ex/C	8% AER (Regular savings)
Halifax Halifax Kid's Regular Saver	6% AER (Regular savings)

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