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Sir as long as an individual has only 20,000pounds of extra income to save/reinvest he should go with ISA only, right? It’s when people have over 20000pounds that they look for other government sources of investment, like NS&I account? am i right sir? Or people do have other reasons also to go for NS&I accounts instead of ISA?
You do not have to give investment advice, just deal correctly with each source of income.