Far from the madding crowd

Article Abstract:

United Kingdom investors using individual savings accounts (Isas) may seek greater control of their investments than they can obtain from products offered by fund managers. Investors need to invest effort and time if they select their own investments, and they run greater risks with fewer choices than if they used pooled investments. Investors can put more of their allowance into stocks if they do not use insurance or cash Isas. Savers may benefit from more flexibility offered by Isas, though limits are less generous.

Author: Gawne, Derek

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The latest models

Article Abstract:

United Kingdom individual savings accounts (Isas) combine benefits from previous tax-efficient products and include insurance. This means that new investors face a wide range of products, which can be confusing. Loan stocks, government securities, stocks in investment trusts unit trusts can all be included in Isas. Cash Isas do not have a limit of five years, aswas the case for tax exempt special savings accounts. Insurance policies have to be held as investments.

Author: Johnston, Andrew

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Subjects list: United Kingdom, Analysis, Personal finance, Portfolio management, Tax planning
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