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The last budget proclaimed emerging changes to the Individual Savings Account allowances.
In future, contributions are to be increased each yr by cost of living. This is a important benefit, as every year the amount you will be able to invest in tax efficient investments will go up.
For a couple that are married this means that they are able to invest up to £20,400 into Individual Savings Accounts.
If however you are considering using your cash Isa allowance then the upper limit amount of money you can contribute is ten thousand two hundred pounds.
Where you invest is equally as vital as the benefits of investing into a tax effective investment.
Each investor in partnership with their independent financial adviser should ascertain their attitude to investing. It is critical to ensure that your current investment funds meet their aims. You should also determine on a annual basis to ensure that the amount of risk has not changed since the investment funds were bought.
One method of doing this is to use a model portfolio of investment funds. This will allow for investors to purchase in a risk controlled way and rebalance the portfolio of investments on a yearly basis.
If you would like to find out more about model portfolios, Isa’s and how to purchase investments in a prudential way why not contact us?
Consilium Asset Management supply investment management in South Gloucestershire