If you’ve always been a saver but you’ve never considered an Individual Savings Account (ISA) now could be the time to find one that helps your future needs.

ISAs are tax-efficient savings plans that allow you to shelter up to £20,000* in the 2017/18 tax year from income and capital gains tax.

Making your savings work hard

When it comes to your ISA investment there are various different choices, we can help arrange:

• a stocks and shares ISA
• a cash ISA

Whichever route you choose, it’s important to take advantage of your full ISA allowance every tax year and make your savings work harder for you.

Contact us today to find out more about ISAs.

*The maximum ISA allowance for the 2017/18 tax year is £20,000. The tax efficiency of ISAs is based on current rules. The current tax situation may not be maintained. The benefit of the tax treatment depends on individual circumstances.

Although there is no fixed term, you should consider stocks and shares ISAs to be a medium to long term investment of ideally five years or more. The value of your stocks and shares ISA and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.

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