[sdan]

Only reason (as a college student) don’t like ISAs is because they take up to something as ridiculous as 10 million over a 10 year period (if you do happen to make that much). I think ISAs may find a place for a greater majority of America though.

[pc86]

Isn't that the whole point? The very successful ISA participants are subsidizing the less successful ISA participants. An ISA with an income cap is just a loan with a lot more downside for the lender.