ISA Returns vs Crypto Staking: The Numbers Explained
Why ISAs Won’t Make You Rich (and Why Some Investors Look to Crypto Instead)
For decades, UK savers have been told to rely on ISAs (Individual Savings Accounts) as a safe and tax-efficient way to grow their wealth. While it’s true that ISAs protect your money from tax, the reality is that the returns are so low you will never build meaningful wealth from them alone. Let’s break down the numbers, and then look at why some investors are turning to alternatives like crypto and DeFi projects such as AKAS.
What You Actually Earn From an ISA
Cash ISA: Many high-street banks currently offer around 3% interest. If you put £10,000 into a Cash ISA, you’ll earn just £300 per year.
Stocks & Shares ISA: Historically, the UK stock market has returned about 5–7% annually on average. On £10,000, that’s £500–£700 a year.
Now consider inflation. If prices are rising 6% per year, then even a 5% ISA return means your money is losing buying power. To double your money in a Cash ISA at 3% interest, it would take 24 years.
Why People Look for Alternatives
With ISAs delivering such modest growth, it’s no wonder people are exploring other options. Crypto and DeFi projects like AKAS DAO promise far higher yields by design:
In AKAS flexible staking, rewards of 0.41% every 12 hours can compound into around 28% growth in a single month (assuming token price stability).
In 30-day rebase pools, token counts can multiply even faster, dramatically increasing holdings in a short period.
For example: £250 (about $300) in AS tokens at £7–£8 each might buy ~32 tokens today. After 30 days of compounding, that could grow to over 40 tokens in flexible staking, or more than 100 tokens in a rebase pool.
Side-by-Side Example: ISA vs AKAS
The Risk Reality Check
It’s important to be clear: the reason ISAs are “boring” is because they are safe. Cash ISAs are government-backed, and even Stocks & Shares ISAs are regulated and relatively stable compared to crypto.
Crypto is different:
Token prices can rise or crash dramatically.
Rewards like 0.41% per 12 hours or 4% per day may not be sustainable long term.
Regulatory uncertainty could impact future earnings.
So while crypto offers the potential for eye-watering returns, it also carries the risk of total loss.
Conclusion
You will never get rich from an ISA alone. The maths just doesn’t allow it. Earning 3–5% per year might be safe, but it won’t build life-changing wealth.
That’s why some investors are turning to crypto platforms like AKAS, where the growth potential is far greater. The trade-off is risk: low risk, low return with ISAs versus high risk, high return with crypto.
The choice ultimately depends on your risk tolerance and financial goals. But one thing is certain: if you stick to ISAs alone, you’ll never earn enough to get ahead.
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If you’re ready to go beyond theory and get hands-on guidance, check out CryptoToolbox — a beginner-friendly platform covering AKAS, Origin, ARK, copy trading, and much more.
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If this is all TOO PIE IN THE SKY FOR YOU, you may like this one better
Here's A SET AND FORGET ONE. Stake your $100 and just let it accumulate interest
