# Learning library - [Just how flexible are flexible ISAs? ](https://lightyear.com/en-gb/blog/just-how-flexible-are-flexible-isas): For each of type of ISA, there are flexible and non-flexible versions. But what does this mean? And what are the limitations that UK savers should be aware of? - [What happens if you go over your ISA allowance? ](https://lightyear.com/en-gb/blog/what-happens-if-you-go-over-your-isa-limit): The 2026/2027 ISA limit, set by the UK government, is £20,000. But what happens if you accidentally put more than that into your ISA (or ISAs) over the course of a given tax year? - [How many ISAs am I allowed in 2026/2027? ](https://lightyear.com/en-gb/blog/how-many-isas-am-i-allowed-in-2026-2027): From the 2026/2027 tax year, UK residents can choose to open multiple ISAs across the same or different product types, as long as they stay within the total ISA limit. But what considerations should you bear in mind when opening multiple ISAs? - [What time does the US stock market open? ](https://lightyear.com/en-gb/blog/what-time-does-the-us-stock-market-open): temp - [Capital Economics: ISA research – methodology](https://lightyear.com/en-gb/blog/research-capital-economics-isa): We commissioned Capital Economics, an independent macroeconomic research company, to do some research for us on the stocks & shares ISA market. - [Market order vs limit order: when to use each](https://lightyear.com/en-gb/blog/market-order-vs-limit-order-when-to-use-each): There are two main types of order - market orders and limit orders - and understanding when to deploy each is an essential part of any investment strategy. - [Tax on investments & savings: UK tax guide](https://lightyear.com/en-gb/blog/tax-on-investments-and-savings-uk-tax-guide): If you're putting your money to work then you'll need to understand how taxes work in the UK – we've put together this UK tax guide to give you some helpful pointers. - [Investing as a limited company: share dealing for businesses](https://lightyear.com/en-gb/blog/investing-as-a-limited-company-share-dealing-for-businesses): If you operate a business in the UK, investing could be a good way to put your excess cash to work. But what's the best way to do this while still meeting your business’s liquidity requirements? - [Money market fund vs savings account: 5 key points](https://lightyear.com/en-gb/blog/money-market-fund-vs-savings-account): Both money market funds and saving accounts can offer returns on your funds, but there are some key differences you should be aware of. We've gone through the key points in this article, so read on to find these out! - [5 alternatives to cash savings accounts](https://lightyear.com/en-gb/blog/alternatives-to-cash-savings-accounts): If you’ve set some money aside and are looking for ways to put it to work, read on - we're going to delve into five compelling alternatives to low-rate savings accounts. - [How to buy & trade US stocks from the UK](https://lightyear.com/en-gb/blog/how-to-buy-and-trade-us-stocks-from-the-uk): The US is a huge global economy, and major exchanges such as the New York Stock Exchange (NYSE) and NASDAQ are home to some of the largest companies on the planet. US exchanges offer ways to invest in major technology firms and world leading businesses - including companies from the US, Asia, Europe and beyond. But is it possible to invest in US shares from the UK? - [How to buy Apple stock in the UK](https://lightyear.com/en-gb/blog/how-to-buy-apple-stock-in-the-uk): Thinking of buying Apple shares? Check out our guide to find out how, where and when to buy Apple stock in the UK. - [Fractional shares: how they work and how to invest](https://lightyear.com/en-gb/blog/fractional-shares-how-they-work-and-how-to-invest): Fractional shares democratise access to markets, allowing investors to buy and sell without huge upfront costs. But how do they work and how can you buy them? - [ETFs vs mutual funds: choosing your investment](https://lightyear.com/en-gb/blog/etfs-vs-mutual-funds-choosing-your-investment): Exchange traded funds and mutual funds are both popular choices for retail investors across the world. Here’s a look into what they are, and how they compare. - [What are BlackRock Money Market Funds?](https://lightyear.com/en-gb/blog/we-ve-launched-black-rock-money-market-funds): Customers in 10 European countries have access to a whole new asset class on Lightyear — BlackRock Money Market Funds. With up to 5.59% gross yield (subject to daily fluctuations and fees), high liquidity and no high entry barrier, these funds help you make the most out of today’s rising interest rates. - [Making sense of stock data & metrics](https://lightyear.com/en-gb/blog/making-sense-of-stock-data-and-metrics): We’re big on education at Lightyear — which is why we’re not just building an execution venue. We’re building a platform that helps everyone become a better investor. --- Canonical: https://lightyear.com/en-gb/blog/learning-library