ISA, JISA & LISA
ISAs are a tax efficient way of holding investments. There is no Personal Income or Capital Gains Tax arising from holdings within an ISA. We do ISAs for both you and your children. Children’s ISAs are called Junior ISAs.
WHAT YOU NEED TO KNOW
See our fair fees.
How Much You Can Save?
From 6th April 2017- 5th April 2018, everyone gets an annual overall allowance of £20,000. For a Junior ISA the allowance is £4,128 a year.
New annual allowances each year.
Transfer In Other ISAs
Had enough of having ISAs dotted around different investment managers? Some do well, some do badly. So your overall returns, after those fees, are disappointing? You can transfer your previous year’s stocks and shares or cash ISA into our stocks and shares ISA without affecting your current year’s ISA allowance. You can also transfer your current year’s cash ISA to a stocks and shares ISA, provided you transfer the whole amount.
If you are an existing client please call or email us and we will send you out an up-to-date form. Phone 01306 776 980 or email email@example.com
We will take a risk with your ISA money in line with your profile, so we could lose some of your money.
Stocks can go up as well as down.
The primary tax efficiency of an ISA will only be gained if investments are made annually early for a period of time. This is because most of the tax benefit will come from savings on capital gains. We do advocate ISAs as a long term investment vehicle. At MVAM management fees are the same for running an ISA as they are a normal account. Plus we contact you yearly to insure you have taken up your allowance or automatically switch money from other accounts if that instruction is in place.
GET IN TOUCH TODAY: 01306 776999 OR EMAIL: ENQUIRIES@MVAM.COM