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Individual Savings Accounts

ISAs – use your allowance, or lose it!

If you have money saved in a bank or building society, and aren't using an ISA, then you're doing the taxman a big favour.

A cash ISA is simply a tax-free deposit account. Depending on the rules of the account you can have instant access or tie your money up and get a higher rate.

You can invest up to £3,600 between now and 5th April.

If you are a longer-term saver, you might prefer a stocks and shares ISA. These invest your money in shares, corporate bonds or property. Usually this is in the form of a pooled fund where you are investing with many other people who all want the same thing. Over the medium to long term, these have a chance of beating cash ISAs, but there’s no guarantee.

If you invest in a cash ISA, you can invest a further £3,600 into a stocks and shares ISA. Alternatively, you can invest up to £7,200 in a stocks and shares ISA alone.

If you would like a chat about ISAs, please contact our independent financial adviser, David Hopkinson.

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robinson+co is registered to carry on audit work in the UK and Ireland and regulated for a range of investment business activities by the Institute of Chartered Accountants in England and Wales.

robinson+co is a trading name of robinson+co (Gosforth) Limited registered in England & Wales 08088245. Registered office Oxford Chambers, New Oxford Street, Workington CA14 2LR. Regulated by the Institute of Chartered Accountants in England & Wales for a range of investment business activities.
robinson+co Financial Services Limited is registered in England & Wales 07272147. Registered office Oxford Chambers, New Oxford Street, Workington CA14 2LR. Authorised and regulated by the Financial Conduct Authority firm number 597189.

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The firm's professional indemnity insurance policy is provided by Liberty who may be contacted via Bluefin Professions at Castlemead, Lower Castle Street, Bristol BS1 3AG. The policy applies to claims wherever made outside the United States or Canada, based on acts, errors or omissions occurring anywhere in the world.

robinson+co Financial Services Limited's policy is provided by Collegiate Management Services Limited and can also be contacted via Bluefin Professions.

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