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ISAs
An ISA is an Individual Savings Account. The main advantage of an ISA is that it offers tax-free interest payments, but there are limits to the amount of money you can put in an ISA every year.
There are 3 main types of ISA available; A cash ISA, a stocks & shares ISA or a combined ISA, which invests in cash as well as stocks and shares. There are also help to buy ISA’s and Lifetime ISA’s available. Which is best for you will depend on your needs and desires.
We offer free appointments to help you choose the best solution for you.
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There are several different types of ISA…
Cash ISAs
Cash ISA’s are similar to an ordinary savings account. You put cash in and earn interest on the amount. The interest on an ISA though is tax-free.
To open a cash ISA you must be a UK resident and aged over 16. There are many available on the market, some with variable rates, some with fixed rates, others may limit the access to money within the ISA. What is best for you will depend on your circumstances and needs.
Talk to us and we can help you make the right decision.
Get Started...Stocks & Shares ISAs
A stocks and shares ISA allows you to put money into different investments such as unit trusts, investment trusts as well as government bonds and corporate bonds.
Also, individual company shares can be placed within your ISA. But, of course, as with any investment in stocks and shares, the rewards may be greater, but so is the risk. So, unlike with cash ISAs, you should only invest if you’re prepared to take the risk that your investments can go down, as well as up, in value.
Talk to us and let us help you choose the right balance for your future.
Get Started...Junior ISAs
A junior ISA allows you to save for your child in a tax efficient manner. Again, both are types of ISA are available, as stocks and shares or just plain cash and each child can have 1 of each type in their name. They are available for any child in the UK, up to the age of 18.
If you are thinking of saving for your child or grandchildren, please make an appointment and come along have a chat. We can help you navigate the hundreds of accounts and options available to you, and make sure you get the best return for your loved ones.
Get Started...Free ISA Advice
At Park Hall, we start by assessing your current situation and explaining anything you are unclear about so you know exactly where you stand before we even think about making any recommendations.
We review any existing investments, before researching and collating relevant information to produce a report for you, based on your needs. Only then do you have to make a decision on whether to use us or continue as you were.
Meet & discuss your requirements (Free)
We research & gather info
Produce report & recommendations
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Please Note - Free Advice extends only to the initial meeting, and thereafter any fees payable for services and advice will be agreed with the client.
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To find out more about the independent financial advice and planning we can offer you, fill in the form here, or give us a call to arrange an appointment, either at our office in Mansfield, or at your home or office:
