Whether the need is to save on a monthly basis or for a lump sum investment for most people the first choice for their money will be to save within the wrapper of an Individual Savings Account or ISA.
The Time is Now!
Many of the leading experts believe that now is the right time to invest.
Stock Markets
Over the past few years the worlds stock markets more notably in the United Kingdom and America have lost a lot of value and many experts believe that in the past five years shares have moved from a general position of being overvalued to a position of being undervalued. This leaves us in a situation of having a lot of good investment opportunities that can be utilised for our clients with our expert help.
Take Advantage
One of the best ways to take advantage of this is through an ISA .
Investment Analysis
ISA 's come in many shapes and forms, after analysing your investment needs and aspirations at MyMoneyOnline we can help you plan for tomorrow.
Save for the Future
It may be the case that you only require a Cash ISA to save for a deposit on your first home or that dream holiday you've always wanted but could never quite afford. A Cash ISA is essentially a bank account that generally offers higher interest rates then regular savings accounts, in addition to this it has the added advantage that the interest received is not liable to Income Tax. However it must be noted that because of these advantages you are limited to how much you can deposit in each Tax Year.
Aspirations
It may be the case that you have higher aspirations and wish to start your own investment portfolio through a stocks and shares or Unit Trust ISA . Through this investment vehicle it is relatively easy to get global access to the worlds stockmarket's. A unit trust is a collection of shares which is expertly managed by a fund manager of the investment house you are investing through. You buy units in the fund and allow the fund manager to do the hard work for you and select the shares that he believes will provide best value.
Decisions
The hard part is deciding which fund and fund manager are best suited to your objectives. With dozens of investment houses and thousands of different funds to choose from its no easy task picking the one that will best match your objectives. This is where Money Highway can help, we have the tools at our disposal to make the right choices for you. Whether it is exposure to Europe, UK, USA, emerging markets that you require or whether we believe that it is best for you to invest in financial institutions, mid, large or small cap companies, telecoms or technology, even if you an ethical investor. We will find the right fund for you.
Liability
As with cash ISA's, stocks and shares ISA's are not liable to Income or Capital Gains Tax and because of these advantages you are limited to the amount you can invest in each Tax Year.
Tax Efficiency
ISA's remain one of the most tax efficient investment vehicles on the market and for this reason, in most cases, it should be one of the first recommendations a responsible Independent financial adviser will make to a client wanting to invest money. Please feel free to contact us for a free no obligation chat.
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