Tax year ends soon, it must be time to buy an ISA, but just how do I find the right ISA?

It’s that time of the year when you will be bombarded by articles and adverts imploring you to take out an ISA before the new tax year starts. We agree it is important to use up as many tax efficient allowances as possible, let’s face it, there are not that many left, but just how do you avoid being taken in by the slick adverts promising ever greater returns, and how do you find the right ISA for you? The first thing to remember is that there are two sorts of ISAs; Cash and Equity, both are quite different.