I don’t have the financial means to put £20,000 into my ISA, do I need to do anything?

You don’t need to contribute the whole £20,000 allowance within the tax year to be benefiting from having an ISA. Every contribution you make into your CIRCA5000 Stocks and Shares ISA is money that you are putting to good use, investing in companies making a positive impact and saving for your future. Your ISA is also a tax efficient account, meaning that you won’t be subject to tax on the investments in your ISA.