Investment ISAs

updated: February 5, 2012

To obtain a copy of our Guide: Investment ISAs please click here.

Investment ISAs are also referred to as Stocks and Shares ISAs but I tend not to use the latter name as it can put people off using these extremely useful investment vehicles.  People often think of ‘stocks and shares’ as being a small number of direct shareholdings, whereas Investment ISAs can be invested entirely in bonds (ie fixed interest investments) or property (ie commercial property). 

We encourage our clients to invest their Investment ISAs in a range of risk-rated model portfolios which provides a quality of investment which is a far cry from holding a small number of direct shareholdings.

Cash ISAs make an excellent place to hold an emergency fund for all types of tax payer.  However, far too many people use Cash ISAs for long term savings.  It ought to be self-evident that if inflation is higher than the interest added to an ISA account, the money thus saved is going to lose its real value over time even allowing for their tax efficient natur

To obtain further information please click here for our pdf Guide to Investment ISAs.