Dual ISA Season: Unlock up to £40,000 of Tax-Free Investing with IDAD

Dual ISA Season gives investors the opportunity to maximise two ISA allowances within just a few weeks— placing £20,000 before the tax year end and £20,000 immediately after, for up to £40,000 invested tax-free.

By straddling tax years, IDAD structures issuance so clients can seamlessly invest across both ISA allowances without sitting in cash or missing market opportunities.

At a time when many investors are considering locking in profits, securing income, and protecting against potential downside, structured investments can play a valuable role inside the ISA wrapper.

Why this matters for investors

Up to £40,000 inside the ISA wrapper

Maximise tax-free capital sooner, rather than waiting another year to invest the next allowance.

Tax-free returns

All gains and income generated from IDAD products held within an ISA are free from income tax and capital gains tax.

Access to IDAD’s Structured Products and Deposits

• Capital-focused structured plans
• Growth and income opportunities 
• ISA-eligible structured deposits offering 100% capital protection at maturity, with additional protection under the Financial Services Compensation Scheme (FSCS) 
• Multiple issuers, indices, and payoff profiles

More capital compounding sooner

Deploying more capital earlier enhances long-term growth potential.

Efficient cash deployment

Move idle cash into designed, outcome-focused investments without delay.

A simple example

• £20,000 invested in an IDAD ISA plan before 5 April
• £20,000 invested in the same or another IDAD ISA plan or deposit after 6 April
• £40,000 working tax-free within weeks

Blending these solutions can create a balanced mix of growth, income, and protection, offering investors a well-rounded strategy suited to the current market environment.

The adviser opportunity

• Clients with cash holdings, maturing investments, or unused ISA allowances
• The ability to deploy up to £40,000 tax-efficiently across two ISA tax years
• Opportunities to lock in gains, generate income, or add downside protection within portfolios

Solutions Available This Dual ISA Season

Fixed Income With Downside Protection
BNP Paribas UK & US Monthly Fixed Income Plan – Issue 8

Defensive Growth With Early Exit Potential
Goldman Sachs Defensive Kick Out Plan – Issue 1

Capital Protection With Growth Potential
Goldman Sachs Callable Deposit Plan – Issue 27