Editing Individual savings account (section)

==Similar schemes in other countries==
Non-pension products:
* [[Tax-Free Savings Account]] (TFSA) (Canada)
* {{interlanguage link|Plan d'épargne en actions|fr}} (PEA) (France) has a lifetime contribution limit of €140,000. The tax advantages are lost if money is withdrawn in the first 5 years<ref>{{cite web|url=https://www.service-public.fr/particuliers/vosdroits/F2385|title=Plan d'épargne en actions (PEA)|website=service-public.fr|language=fr|access-date=29 Dec 2019}}</ref>
* {{interlanguage link|Assurance-vie en France|fr}} (France)
* [[Livret A]] (France)
* Tax-Free Savings Account (TFSA) (South Africa) has an annual contribution limit of ZAR 36,000 and a lifetime contribution limit of ZAR 500,000<ref>{{cite web|url=http://www.treasury.gov.za/comm_media/press/2015/2105022001%20-%20TFSA%20Media%20Statement.pdf|title=TFSA Media Statement|publisher=[[National Treasury (South Africa)]]|access-date=20 Dec 2019}}</ref>
* {{interlanguage link|Индивидуальный инвестиционный счет|ru}} (Individual Investment Account, Russia) has an annual contribution limit of RUB 1,000,000. The tax advantages are lost if the account is closed in the first three years. Investments are restricted to securities listed on Russian exchanges. Investors can choose between a 13% tax deduction on contributions to the account or tax-free withdrawal on account closure.<ref>{{cite web|url=http://fs.moex.com/files/9115#.pdf|title=Individual Investment Accounts|publisher=[[Moscow Exchange]]|access-date=29 Dec 2019}}</ref>
* {{interlanguage link|Piano Individuale di Risparmio|it}} (Individual Savings Plan, PIR) (Italy) has an annual contribution limit of €30,000 and a lifetime contribution limit of €150,000. The tax advantages are lost if money is withdrawn within 5 years. 70% of the investment must be in shares of companies with a presence in Italy and within that, 30% must be in shares of small or medium enterprises; these requirements can be addressed by investing in a PIR-compliant fund. The PIR was introduced in 2017<ref>{{cite web|url=http://www.quellocheconta.gov.it/it/strumenti/bancari-finanziari/piani-individuali-risparmio|title=Piani individuali di risparmio (PIR) - Quello che conta|publisher=Comitato per la programmazione e il coordinamento delle attività di educazione finanziaria|language=it|access-date=20 Dec 2019}}</ref>
* {{interlanguage link|Investeringssparkonto|sv}} (ISK) (Sweden) is not completely tax-free as there is a 30% capital gains tax on a relatively low assumed gain, for which the rate is set annually; for example, for 2025 the tax rate will be 0.888% of assets in the account.<ref>{{cite web|url=https://skatteverket.se/privat/skatter/vardepapper/investeringssparkontoisk.4.5fc8c94513259a4ba1d800037851.html|title=Investeringssparkonto - Skatteverket|publisher=[[Swedish Tax Agency]]|language=sv|access-date=10 Dec 2024}}</ref>
* {{interlanguage link|Aksjesparekonto|no}} (Share Savings Account, ASK) (Norway) allows gains and (since 2019) dividends on shares in [[European Economic Area|EEA]]-domiciled companies and mutual funds to compound tax-free within the account, with tax payable on withdrawals.<ref>{{cite web|url=https://www.skatteetaten.no/en/person/taxes/get-the-taxes-right/shares-and-securities/about-shares-and-securities/share-savings-account-ask|title=Share Savings Account (ASK) - The Norwegian Tax Administration|publisher=[[Norwegian Tax Administration]]|access-date=21 Dec 2019}}</ref>
* [[Aktiesparekonto]] (Share Savings Account, ASK) (Denmark) was introduced in 2019. It had an initial annual contribution limit of DKK 50,000, rising to DKK 200,000 in 2022 and is taxed at a reduced rate of 17% on distributions and on capital gains (realised and unrealised).<ref>{{cite web|url=https://www.skm.dk/media/1542157/faktaark_aktiesparekonto.pdf|title=Faktaark aktiesparekonto|publisher=[[Ministry of Taxation (Denmark)]]|language=da|access-date=30 Dec 2019}}</ref>
* [[Osakesäästötili]] (Equity Savings Account) (Finland) was introduced in 2020. It has a lifetime contribution limit of EUR 50,000 and it is tax free.<ref>{{cite web|url=https://www.helsinkitimes.fi/finland/finland-news/domestic/16259-parliament-approves-proposal-for-new-equity-saving-accounts.html|title=Parliament approves proposal for new equity saving accounts|date=14 March 2019 |publisher=[[Helsinki Times]]|access-date=30 Dec 2019}}</ref>
* {{interlanguage link|Tartós befektetési számla|hu}} (Long-term investment account) (Hungary)
Pensions:
* [[Superannuation in Australia]]
* [[Individual retirement account]] (IRA), the [[Roth IRA]] type is close except for its extra restrictions, and [[401(k)|Roth 401(k)]] (United States)
* [[Nippon individual savings account]] (NISA), a Japanese account with the system modeled after the UK and an annual cumulative limit of 3.6 million yen.
* [[Personal Retirement Savings Account]] (PRSA) - Ireland