The Alternative Remedies Guide

Why Isa suppliers focus on marketing Isa investments to customers at the final stage of the tax year just doesn’t make sense at times.
Admittedly most lump sum investments are set up towards the end of the tax year, at the last minute. Nevertheless there are advantages to making an investment at the start of the tax year.
Since March two thousand and nine global Stack markets have produced good returns as leading economies come out of recession.
Clients that had committed there Isa allowance in April 2009 might potentially have seen a healthy investment return on their investment.
If another good year of investment returns is achieved then those clients would have had the profits of two lots of Individual Savings Accounts investments made in yrs where the returns were considerably more than cash.
If they were married and both over the age of fifty, in theory they could have contributed up to £40,800 in stocks and shares Isa’s for the two tax years.
However if they contributed at the final stage of the tax yr they would have missed out on last yrs increase and will not invest their allowance for the current tax yr until 2011.
If you are considering whether to get the most of your Isa allowances each year then it might be more appropriate to invest at either the start of the tax yr or alternatively on a regular basis.
Consilium Asset Management provide independent financial advice in Bristol.