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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 £11,280 in the 2012-13 tax year.

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 £5,640 as a cash deposit..

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 6% or so is also tax free.

Following recent changes, it is now possible to transfer from cash ISAs to share ISAs. This is an option worth considering if you are holding excess cash and are looking for higher returns over the medium to longer term. The process is simple and we handle all of the paperwork for you.

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.



Recommended long term funds



PLEASE FILL IN THE FORM TO REQUEST ISA INFORMATION
Paul Hipkiss, Independent Financial Advisers
7 Bampton Street, Tiverton, Devon, EX16 6AA
Tel: 01884 254726, Fax: 01884 258641
Authorised & Regulated by the Financial Services Authority