Take advantage of your ISA allowance
The ISA allowance has been increased to £15,000 per individual from 1 July 2014.
The Government has created the New ISA (NISA) with a £15,000 limit to make the system “simpler”. You can use the full limit for either cash, investments or a mix of both
We can assist you by recommending the right funds for your investment, ensuring they are suitable for the amount of risk you are prepared to take with your money.
You could invest some or all of your allowance in one go, or we could establish a ‘savings’ plan to accept your monthly payments. And an ISA is a tax efficient ‘wrapper’ for any of your investments.
Poor returns in cash but need help investing in a portfolio?
Unfortunately, the returns in cash have been disappointing and savings have been eroded by inflation. This means that the actual purchasing power of your money has been reducing because the costs of goods and services have increased faster than the interest that a cash account would pay. Although leaving some cash in the bank for emergencies is sensible, having any more than your emergency fund in cash would not provide the potential for growth that many of us would ultimately desire.
The new ISA rules remove the current restrictions on investing in Cash or Stocks and Shares. You can also transfer between both elements.
We can help you invest in a portfolio (combination of funds) to achieve the optimal performance for the amount of risk you are comfortable with. Remember that ‘risk’ is not an on / off switch. It is more like a dimmer light and there are varying degrees of risk. Assessing the right amount for you is part of our service. This is same process that we would apply to a pension fund portfolio or any other portfolio.
Bring your ISAs together in one place
A stocks and shares ISA can now hold cash, which will allow you to bring all your ISAs into one place. We provide access to a huge range of funds and can help you do this.
With one low annual management charge, a single ISA Portfolio could be a great home for you to move all your ISAs to. Instead of paying charges to many providers, it could potentially save money by moving to one provider. Plus it makes it easier to manage your ISAs when they’re all in one place.
Transferring existing ISAs to one ISA Portfolio is easy. We will help you and you can be confident that you are in safe hands.
Find out more about an ISA Portfolio
There are many solutions but typically, just quoting one, we could access over 2,800 funds, including cash funds, to ensure that you are in the right funds for your attitude to risk and investment goals.
If you would like us to help you invest your money, or would like us to restructure and bring all your investments together in one place, please contact Mark Swann on 01622 664440.
Our aim to be a trusted partner who will help you on your financial journey to achieve your goals.