Intelligent ISAs

ISA stands for Individual Savings Account but you probably knew that. The reason people use these ‘vehicles’ is to save and invest in a tax-efficient way.

Make the most of your opportunity

There are currently two types of ISAs: Cash ISAs and Stocks and Shares ISAs.Intelligent ISAs

You can invest up to £15,240 (rising to £20,000 from April 2017) in ISAs in the current tax year (2016-2017).

You can also invest up to £4,080 into a Junior ISA each year for children under the age of 18.

 

Choosing between saving and investing

Are you better off using an ISA for Saving or Investing ? What is the difference?

  • You can save in a Cash ISA savings account where your initial sum of money remains the same and earns interest. The rate of growth is based on the interest rate which does not even keep pace with inflation.
  • You can invest in Stocks and Shares ISA where you can invest in shares, bonds or other investment assets. The investments can rise or fall in value as well as provide income. We can help you invest in a way that matches your appetite for risk and your ultimate objectives. We manage the risk at a level with which you are comfortable.If you want to draw income from your investments, now or in the future, ensuring that the value rises ahead of inflation is very important.
isa graph

This chart shows how, in the past, putting money into shares has produced higher returns than saving in a savings account over the long term. The returns in the chart are given after the impact of inflation.

Source: Barclays Equity Gilt Study 2013. Shares: UK equity. Cash: instant access building society account. Real returns on £1000 lump sum investment with gross income re-invested after tax.  These figures are based on the performance of indices and do not necessarily reflect investor returns. 

We can review your ISA portfolio for FREE!

Get a second opinion on your ISA portfolio. Find out whether your ISAs are giving you the right return. We are happy to do this for you, completely free of charge, with no obligation.

Let’s get started.

Call us now on 01462 422 507 or email us at RJIS.Hitchin@RaymondJames.com to arrange a meeting with one of our investment managers.

 

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