ISAs (Individual Savings Accounts) are the Government’s way of encouraging you to invest for the future and should be a cornerstone of any investment plan. The ISA is designed as a medium long term investment plan. The value of the investment is not guaranteed and its value can fluctuate, which could mean you get back less than you invested. You could invest up to £7,000 every year with a maxi ISA and we always recommend you make full use of this valuable allowance.

The Maxi ISA invests in stocks and shares free from capital gains and income liability taxes, although there is a 10% tax credit on any income, which can’t be reclaimed – hence a “tax efficient” not “tax free” investment. (Tax concessions are not guaranteed and may change in the future)

The Maxi ISA is available for all clients over 18 and residing in the UK. It is an annual allowance which cannot be carried forward. With the next tax year ending on 6 April, speak to one of our advisers and make the most of it.

We’ve partnered with Sterling Investment Managers Ltd to offer you over 100 funds for your ISA depending on your attitude to risk. Among its attractive features, the Sterling ISA offers a no loss on death guarantee and you can switch freely between funds as your attitude to risk changes. With low set-up fees Sterling remains a popular choice for many clients.

The Government is also welcoming investors prepared to back fledgling companies with bright ideas. By investing in the entrepreneurial spirit of a VCT (Venture Capitalist Trust), you’ll also benefit from its tax breaks. The tax relief afforded by investing in a VCT makes it a good option for those high earners traditionally saddled with considerable income tax bills.
 
Venture Capital by its nature is quite a risky investment and potential investors need to invest for a considerable period of time. It is very attractive to some investors but is not suitable to all. We have partnered with our wealth Management partners Octopus.

For those looking for security for their loved ones we also provide a number of inheritance tax efficient plans, discussed in the IHT planning section .