The big difference between stocks and shares Isas and cash Isas | The IndependentNotifications can be managed in browser preferences.Jump to contentIndependentSwipe for next articleIndependent Bulletin homepageDownload ourSocial PartnerWe are 8 logo (opens in a new tab)AllNewsSportCultureLifestyleVicky ShawFriday 14 November 2025 14:33 GMTISAs compared: the lowdown on cash ISAs vs stocks and shares ISAsNew HMRC figures reveal a significant disparity in value between the wealthiest Stocks and Shares ISAs and Cash ISAs.For the 2022/23 tax year, the 25 highest-value Stocks and Shares ISAs averaged £10.98 million, 17 times more than the top 25 Cash ISAs, which averaged £640,000.Data obtained by InvestEngine through a Freedom of Information request shows approximately 3,080 ISA accounts held over £1 million.There were 38,680 Stocks and Shares ISAs with at least £500,000, compared to only 30 Cash ISAs reaching that threshold.Andrew Prosser, head of investments at InvestEngine, highlighted that consistent investing proves to be the most effective route to building long-term wealth.In fullFigures reveal top stocks and shares Isa pots worth huge amount more than cash Isa accountsThank you for registeringPlease refresh the page or navigate to another page on the site to be automatically logged inPlease refresh your browser to be logged in