Individual Savings Accounts

ISAs are important retirement planning tools as well as being useful when saving up to buy a house.

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The value of investments and the income they produce can fall as well as rise, you may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.

What are the benefits of a Stocks & Shares ISA? 

ISAs are tax efficient investments, where there is no capital gains tax payable within the product wrapper, and there is no tax to pay when you withdraw funds from the wrapper.

Why would I start an ISA?

An ISA is an important part of your financial plan and you should be trying (if possible) to max out your annual ISA allowances each year, as this could then form an important part of your retirement pot.

Should I set-up an ISA for my kids?

If you can afford to, then yes. Starting a Junior ISA early on for your kids is a brilliant thing to do and they will reap the benefits.

There have been numerous changes to ISAs over the last couple of years, namely:

  • Changes to the annual ISA allowance threshold to £20,000 p/a.
  • Ability to put money into an ISA, take it out and then put it back in within a tax year.
  • No difference between a Cash ISA and a Stocks & Shares ISA anymore. All ISAs are now NISAs (New Individual Savings Account) where, as mentioned, the annual allowance is now £20,000 p/a (17/18 tax year). In a NISA you can contribute as much cash or invest in stocks / funds up to the cumulative annual allowance.

Because of the changes in regulation, ISAs are now a very important part of our retirement pots, in addition to pensions, Buy-to-Lets, etc. An ISA is an essential saving and retirement planning tool for everyone.

We can advise on what Stocks & Shares ISA is most suitable for you. Please get in touch if you have any questions.

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