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Cash Isa Vs Stocks And Shares Isa . For instance, of all the isas that were opened in 2017/18, about 7 million accounts sat in cash and around 2 million were stocks and. Cash isas are lower risk, while stocks and shares isas tend to be higher risk, because their performance is dependent on the performance of individual stocks or an index. Cash vs stock market the difference in returns since Isas from www.cityam.com Cash isas are lower risk, while stocks and shares isas tend to be higher risk, because their performance is dependent on the performance of individual stocks or an index. Money deposited into a stocks and shares isa is invested, which means that investors risk not making any returns on their investments at all and, in some cases, could lose their initial capital as well. When choosing the best isa for you, the choice you are making is really a choice between lower risk and lower returns or higher risk and potentially higher returns.