Investing is a long-term game. Generally, the longer we leave our money invested, the greater the chance of achieving better returns. So why are we often inclined to leave it until the end of the tax year to make use of our annual Individual Savings Account (ISA) allowance? An ISA is one of the most tax-efficient, flexible and potentially rewarding investments you can make.

Use our simple ISA calculator to see how much your ISA could be worth.

These figures are only examples and are not guaranteed - they are not minimum or maximum amounts. What you will get back depends on how the investment grows and on the tax treatment of the investment. You could get back more or less than this.

The results are based on an assumed annual growth rate of 5%, an initial charge of 5% and ongoing charges of 1.7%. They do not take account of inflation.

The value of an investment with St. James's Place will be directly linked to the performance of the funds selected an may fall as well as rise. You may get back less than the amount invested.

The favourable tax treatment given to ISAs may not be maintained in the future, as they are subject to changes in legislation.