Tax-free Savings Tax-free Allowance Reform Regulations Investment Strategies Tax Allowance Changes Annual Allowance Tax implications Interest Rates Tax-free allowance Investment Limits Allowance Changes Stocks and Shares ISAs Older Savers Tax Advantages Allowance Reduction Building Societies HMRC Allowance Investment ISAs Policy Changes Tax Benefits Investment Behavior Regulatory Changes Annual Contribution Limits Tax-advantaged savings Tax-Free Allowance Tax Breaks Tax Implications