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Supported account types

1 min read

Summary

  • Supported types: workplace pensions, SIPPs, stocks & shares ISAs, cash ISAs, and General Investment Accounts (GIAs).
  • Each account type has its own tax treatment and withdrawal rules, handled automatically.
  • Contribution limits (e.g. the ISA allowance) are flagged with a warning if exceeded, but not currently enforced in the simulation itself.

Account types Scenarios supports

Workplace pensions, SIPPs (self-invested personal pensions), stocks & shares ISAs, cash ISAs (modelled as 100% cash allocation), and General Investment Accounts (GIAs). Each has its own tax treatment and withdrawal rules that the engine handles automatically. Contribution limits — like the annual ISA allowance — are surfaced as an on-screen warning if you go over them, but the simulation doesn't currently cap contributions at the limit itself; an over-the-limit amount is still modelled with the account's full tax treatment rather than being split or rejected.

Frequently asked questions

How are cash ISAs modelled?
As a 100% cash allocation within the ISA account type, so they get the same tax treatment as a stocks & shares ISA but with a cash-only portfolio.
Does each account type have different tax rules?
Yes — the engine handles the tax treatment and withdrawal rules automatically based on the account type you choose. Contribution limits (like the £20,000 annual ISA allowance) are surfaced as warnings if you go over, but aren't currently capped in the simulation itself — an over-the-limit contribution is still modelled with the account's full tax treatment.

More in Accounts & Portfolios

Adding and editing accountsSetting your portfolio allocationUnderstanding platform feesHow to model account contribution phases
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