Peter Stephens | Thursday, 9th January, 2020 Image source: Getty Images. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. The returns on Cash ISAs have been hugely disappointing for a number of years. Currently, obtaining an inflation-beating interest rate from a Cash ISA is incredibly challenging, while interest rates are expected to stay at low levels over the coming years.Despite this, Cash ISAs are still popular among people who are looking to build a nest egg for the future to generate a passive income. A better means of doing so could be to follow these three steps and avoid Cash ISAs altogether.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Open a Stocks and Shares ISAA Stocks and Shares ISA may sound much more complicated than a Cash ISA, but it is essentially just an account through which you buy and sell shares. In this regard, it is very similar to a bog-standard online share-dealing account, but there is usually an additional charge for administration. In many cases this amounts to little more than £1 per month.The major benefit of using a Stocks and Shares ISA versus a regular share-dealing account is its tax efficiency. There will be no capital gains, income or dividend tax charged on any amounts invested in or withdrawn from a Stocks and Shares ISA. This means that building a retirement nest egg and then generating a passive income from it is much easier than it would otherwise be as you will not pay any tax.Invest regularly in sharesMost people do not have a lump sum to invest in the stock market. If you do, then buying stocks in one go could be a good idea since history shows that their returns are significantly higher than other mainstream assets.If you do not have a lump sum to invest, setting up a standing order from your current account that pays money on a regular basis to your Stocks and Shares ISA could be a good idea. Using this money to regularly buy a diverse range of shares could provide you with access to the high-single-digit annual returns that indexes such as the FTSE 100 have delivered over recent decades.Through buying a diverse range of shares, and even starting off with a tracker fund that aims to mimic the returns of a specific index, you could generate far higher returns than those available via a Cash ISA.Hold for the long term and reinvestIt is tempting to spend the dividends and capital returns you generate within your Stocks and Shares ISA. However, reinvesting them and holding on to your investments for the long term could increase your chances of generating a rising passive income in older age.It allows compounding to have a positive impact on your portfolio. Over time, this could enable you to enjoy a financially-free retirement, and may further widen the difference in returns between shares and a Cash ISA. See all posts by Peter Stephens Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address Our 6 ‘Best Buys Now’ Shares Forget the top Cash ISA rate. I’d make a growing passive income in these 3 simple steps Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. “This Stock Could Be Like Buying Amazon in 1997” Simply click below to discover how you can take advantage of this. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.