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An Individual Savings Account (ISA) is a personal savings vehicle designed to provide individual investors with the opportunity to save tax efficiently over a period of time. ISA’s were introduced by the UK government in 1999 and over the last 12 years ISA rules and limits have been amended on a regular basis. For tax year 2012/ 2013 an individual may invest a maximum of £11,280 into an ISA however the maximum that may be invested into deposit based accounts is £5,640.
If the cash ISA allowance is not fully utilised the balance may be used for the equity element up to the maximum of £11,280. Equity ISA’s allow an individual to protect their equity based capital against income and capital gains tax although the tax credit on dividends has been removed.
The return on your equity ISA is entirely dependant on the performance of the equity based investment held inside your ISA wrapper.
When deciding on a particular fund or product you need to consider your attitude to risk and whether you are comfortable managing your own funds.
For your information we have provided a list of preferred funds currently on our fund managers buy list.
Important Risk Information:
This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.
Different types of investment carry different levels of risk and may not be suitable for all investors. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice, either call us directly on or use our contact form.