ISA

November 2015

Evaluating your future finances

By |November 13th, 2015|

New possibilities in retirement, and the options available to you

The recent pension freedoms have opened up new possibilities in retirement, allowing more of today’s recent retirees to enjoy the sixty-something socialite lifestyle. Retirement can be one of the most liberating and exciting life stages, but to get the most freedom and enjoyment out of retirement, […]

October 2015

Staying connected trumps priorities

By |October 9th, 2015|

Figures show that only 39% considered providing financial security for their family as essential
Britons consider having an Internet connection and mobile phone to be greater financial priorities than protecting mortgage and income, according to new research.

According to latest figures from the  Scottish Widows Protection Report, has revealed that only 39% considered providing financial security for […]

September 2015

Understand your investments

By |September 8th, 2015|

While having a well thought out portfolio which can produce a healthy return for investors,the opposite is also true. It can be easy to incur permanent losses by putting money into an asset that behaves in an unexpected way. This is why investors should always allow time to try and understand what it is they […]

Invest for the long term

By |September 4th, 2015|

It may be very clear to see that the longer you invest, the bigger the potential effect of its performance on the original value of your investment will be.  Many investors will be familiar with the term compounding from owning their own cash savings accounts. This term refers to money multiplying its self by earning […]

August 2015

Having the ability to withdraw ISA savings

By |August 11th, 2015|

From 6 April 2016 the government will be allowing those who have ISA’s to withdraw money from their cash ISA and stocks and shares ISA, provided that they will replace it within the same tax year.

The replacement will not count towards their annual ISA subscription. This will be a useful facility for investors who have […]

ISA- The main Tax Rules

By |August 7th, 2015|

It is always good to remember the main tax benefits for ISAs. As a reminder:

There is not any UK tax on dividends in a stocks and shares ISA, although the 10% tax credit cannot be reclaimed ( it is thought that the 10% tax credit will be abolished from 2016/17)
Interest is received UK Tax-free in […]

A financial to do list

By |August 5th, 2015|

A financial to-do list helps provide you with important action steps that can help you keep your financial plans on track. Some of these include:

Its important to give your portfolio a regular checkup to ensure your mix of investments accurately reflect your current goals you have but also in time frame you have in mind […]

July 2015

Nation of savers

By |July 24th, 2015|

Focusing on the long term for a more secure future
The UK is becoming a nation of savers, with three quarters (74%) of people saying they are currently saving, research from Scottish Widows has revealed.
The study found the number of savers is up to 74% from 63% in 2010, with a steady year-on-year rise in the […]

Reducing investment risk

By |July 21st, 2015|

Choosing a broad spread of instruments in which to invest

If you require your money to provide the potential for capital growth or income, or a combination of both, and provided you are willing to accept an element of risk, pooled investments allow you to invest in a large, professionally managed portfolio of assets with many […]

June 2015

Securing our financial futures

By |June 5th, 2015|

The new pension reforms provide a good opportunity for people to really think about and evaluate their future finances, and the options available to them. However research highlights that many people across the UK are struggling to plan ahead. If you are one of these people and feel you need some guidance on what to […]