Even in the best of times, saving money can be difficult for many of us. So when we do manage to put money aside, how can we make sure we get the most out of our investments? Individual Savings Accounts or ISAs are a great way to help you grow your money for the future because the’re tax efficient. When you invest and save in an ISA, the money you put in grows tax-free, which means you don't have to pay any tax if your investment increases in value. Without any capital gains or income tax in an ISA, you get to keep everything your investment earns.