Stocks & shares ISA growth significantly outpaces cash ISA

The average stocks & shares ISA fund has recorded a growth of 11.9% over the last 12 months, according to new analysis from Moneyfacts.

This is for the period between February 2024 and February 2025 and compares to a rise of 2.8% in the 12 months going back to February 2023, and a negative return of -3.3% going back to February 2022.

Moneyfacts was highlighting how stocks & shares ISAs had performed over the last year compared to the average cash ISA rate.

By contrast, the Moneyfacts average cash ISA rate returned 3.8% between February 2024 and February 2025. This year’s returns were not too dissimilar from the previous year of 3.7% recorded between February 2023 and February 2024, and higher than the average cash ISA rate of 1.7% between February 2022 and February 2023.

“Savers may be intrigued to know that stocks & shares ISA growth outpaced cash ISAs over the past 12 months, which is a turn of events from the previous year of poor returns overall,” finance expert at Moneyfacts, Rachel Springall, said.

“Those who have not felt confident enough to invest in the stock market may then feel more inclined. However, it is worth pointing out that cash ISAs previously outpaced stocks & shares ISA growth for two consecutive years overall, amid stock market turmoil. Cash ISAs still have their part to play for customers, particularly the more risk averse.

“A stocks & shares ISA is suitable for those who intend to invest over the longer-term, as fund performance can fluctuate over shorter-term timescales. This makes it vital for investors to regularly check the performance of their pot and seek advice if they need to review their risk profile.”



Share Story:

Recent Stories


FREE E-NEWS SIGN UP

Subscribe to our newsletter to receive breaking news and other industry announcements by email.

  Please tick here to confirm you are happy to receive third party promotions from carefully selected partners.


Helping the credit challenged get mortgage ready
A rising number of borrowers are finding it harder to access mortgages due to being credit challenged - whether that’s from historic debts, a county court judgment, or having little to no credit history.

In the latest episode of the Mortgage Insider podcast, Phil Spencer is joined by Eloise Hall, Head of National Accounts at Kensington Mortgages, and Alastair Douglas, CEO of TotallyMoney.


Inside the world of high net worth lending
The mortgage market continues to evolve, and so too does the answer to the question: what is a high net worth individual in today’s market? In this episode of the Mortgage Insider podcast, host Phil Spencer is joined by Stephen Moroukian, Head of Product and Proposition for Real Estate Financing at Barclays Private Bank, and Islay Robinson, founder and CEO of Enness Global. Together, they explore what brokers really need to know when supporting high net worth individuals.

The future of the bridging industry and the Autumn Budget
MoneyAge content editor, Dan McGrath, is joined by head of marketing at Black & White Bridging, Matt Horton, to discuss the bridging industry, the impact of the Autumn Budget and what the future holds for the sector.