Sunday March 19 2017, 12.01am, The Sunday TimesMaking the most of individual savings account (Isa) tax breaks is simple — but it isn’t easy. First, while interest rates remain near historic lows, you are going to have to venture out of the apparent security of bank or building society cash Isas if you want to maximise returns.Second, you are going to have to accept that the price of seeking higher rewards in future is to accept higher risks now. These needn’t be “all or nothing” do-or-die dangers but stock market Isas always entail some risk; you may get back less than you invest.The good news is that you can fill your Isa with pooled funds — such as unit and investment trusts or exchange traded funds (ETFs) — which automatically.

I'm here to challenge that statement, and my argument is not that most money is made of paper. But rather what Einstein referred to as the eighth. Spirit lords game.