Individual Savings Accounts
- ISA's
The first investment everyone should make every year 
Giving tax breaks for both long and short term savers, ISAs
allow anyone, 18 or over, to make an annual investment of up to
£10,200 (of which up to £5,100 can be a cash deposit
with instant access). Until the 20010/11 tax year the limit is £7,200 for
under 50 year olds.
Effectively an ISA is a tax beneficial wrapper into which you
can place stock market investments, such as unit trusts, shares
and bonds, for long term investment (ideally 5 years or more), or
up to £5,100 as a cash deposit with instant access.
Interest earned on cash ISAs is tax free, irrespective of how
long the investment is held. Stock market investments are free of
capital gains tax on profits, and in the case of corporate bond
funds, the income of up to 10% or so is also tax free.
Whilst the rules for I S As can seem complicated (with a
choice of mini or maxi ISAs, share ISAs, cash ISAs, and insurance
ISAs) we can help find the one that is most appropriate for
you.
Following recent changes, it is now possible to transfer from cash ISAs to share
ISAs.

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Key Benefits |
- Tax beneficial returns
- Wide choice of funds to invest in
- Flexible - no fixed investment period - pay in what you want
when you want.

Invest Through us and receive a
discount if you have made your own choice and do not want to
receive financial advice.

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