---
title: Historical ISA limits and the power of compound growth
description: Since 1987 a couple could have sheltered £424,560 from the taxman in ISAs. However, they could have become ISA millionaires if their money had grown by 7% each year.
image: https://www.isaco.co.uk/hs-fs/file-29700222-jpg/images/historical_isa_limits_and_the_power_of_compound_growth.jpg
---

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# Historical ISA limits and the power of compound growth

Posted by [Stephen Sutherland](https://www.isaco.co.uk/blog/author/stephen-sutherland) on Wed, Apr 24, 2013 @ 01:30 PM

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![Historical ISA limits and the power of compound growth](https://www.isaco.co.uk/hs-fs/file-29700222-jpg/images/historical_isa_limits_and_the_power_of_compound_growth.jpg)In our last post we looked at historical ISA limits. We saw how its been possible for a couple to shelter £424,560 from the taxman since 1987. However, even more significantly, they could have become ISA millionaires if their money had grown by 7% each year.

In this post we'll look at how.

## How investing up to historical ISA limits could have made you a millionaire

As you can see from the table below, a couple adding the full ISA allowance each year would have put away £424,560. However, if they had also achievied an annual growth rate of 7%, that would have grown to over £1.1 million through the power of compounding. That’s exciting.  
 

![ISA millionaire through the power of compound interest 1](https://www.isaco.co.uk/hs-fs/file-42856426-jpg/images/isa_millionaire_through_the_power_of_compound_interest-12.jpg)

Hopefully this will give you plenty of incentive to either start adding the maximum to your ISA each year, or to continue to do so.  If you want more information on ISA investing, why not download one of our free ISA investing reports.  
 

**[To download our free report 'Top 10 ISA Tips' >>](https://info.isaco.co.uk/top-ten-isa-tips)**

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**<https://info.isaco.co.uk/professional-isa-investors-view-of-the-market>[To download our free report 'A Professional ISA Investor's Outlook' >>](https://info.isaco.co.uk/professional-isa-investors-view-of-the-market)**

As always, if you have any questions or thoughts on the points covered in this post, please leave a comment below or connect with us [@ISACO_](http://www.twitter.com/ISACO_) on Twitter.

## About ISACO

ISACO is a specialist in ISA and SIPP Investment and the pioneer of ‘Shadow Investment’, a simple way to grow your ISA and SIPP. Together with our clients, we have £57 million actively invested in ISAs and pensions*. 

Our personal investment service allows you to look over our shoulder and buy into exactly the same funds as we are buying. These are investment funds that we personally own and so you can be assured that they are good quality. We are proud to say that by ‘shadowing’ us, our clients have made an annual return of 12.5% per year over the last four years** versus the FTSE 100’s 7.4%. 

We currently have close to 400 carefully selected clients. Most of them have over £100,000 actively invested and the majority are DIY investors such as business owners, self-employed professionals and corporate executives. We also have clients from the financial services sector such as IFAs, wealth managers and fund managers. ISACO Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Our firm reference number is 525147.

* 15th November 2012: Internal estimation of total ISA and pension assets owned by ISACO Investment Team and ISACO premium clients.   
** (31st December 2008 - 31st December 2012).   
ISACO investment performance verified by Independent Executives Ltd.  
  

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 Topics: [ISA investing tips](https://www.isaco.co.uk/blog/topic/isa-investing-tips), [ISA millionaires](https://www.isaco.co.uk/blog/topic/isa-millionaires), [ISA growth](https://www.isaco.co.uk/blog/topic/isa-growth)

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