The 2025 autumn Budget threw up a few interesting debates - and one of the most polarising aspects of the budget was the changes to the Cash ISA. In order to 'encourage younger people to invest' the Cash ISA will revert back to a more familiar format, with the amount able to be contributed into a Cash ISA reduced to £12k, but with Stocks & Shares ISAs continuing to have a £20k maximum contribution limit. This means that you can put £20k a year into a Stocks & Shares ISA, £12k into a Cash ISA and £8k into a Stocks & Shares ISA - but not £20k into a Cash ISA. That is unless you are over 65, in which case you get a special carve out. This has triggered a lot of conversion - firstly around the special carve out for the over 65s, but also for the removal of an extra £8k contribution to a Cash ISA - and it is this second area which we will focus on today. And what is interesting about much of the critique of the policy change is the number of people looking to use Cash IS...