Don’t let this year’s ISA allowance get away
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Important information : The value of investments can go down as well as up, so you may get back less than you invest.
By Emma-Lou Montgomery, Fidelity Personal Investing
Whether you're happy doing your own ISA research, want some ideas to get you started or would like a bit more support along the way, Fidelity can help you make the most of this tax year's ISA investment.
Many people like the idea of investing in funds when it comes to their ISAs, as it can take quite a lot of time and effort to research a selection of individual shares – and that’s before you look at other types of investment, such as bonds, property and so on. With a fund, you get automatic access to a range of investments, and your money could also be spread across sectors and even continents.
It means that you are instantly making sure you don't have all your eggs in one basket. You're spreading your risk and, with many funds, you'll benefit from the experience of the managers running them. However, there is a fly in the ointment. There are thousands of funds to choose from, so it can still be difficult to work out where to invest your money. The good news is that you are not alone. Whatever level of support you'd like, Fidelity can help you make the most of your ISA opportunity.
I'm fine, I can do it myself
If you like selecting funds for yourself, we can give you all the choice you need. This is because we don't just sell our own funds. We actually have one of the widest ranges in the UK, with funds from over 100 investment companies. When it comes to your ISA, the world is your oyster. There are funds focusing on the UK's biggest 'blue chip' companies, up-and-coming smaller companies in the United States, emerging markets, mining stocks, biotech, gold – and that's still just the start.
With our Investment Finder tool, you can search and find the funds, shares, exchange-traded funds or investment trusts you're interested in. There are lots of filters to choose from, which are designed to help you turn our full range into your own personal short list. They include fund manager, asset class, active or passive, sector, fund charges and Morningstar rating.
I'd like a little help getting started
If you're happy making your own decisions, but would like to tap into our expertise to help you get started, there's Select 50. It gives you a short list of funds that have been carefully chosen by our experts after in-depth research. They are looking for funds with great long-term investment potential – though, of course, performance is not guaranteed.
The list is then divided into eight categories to help you find what you’re looking for and many of the funds even come with specially negotiated discounts, so more of your money can work hard for you. Over half of the funds on Select 50 have these savings. In some cases, we have negotiated cheaper fund manager charges, while in others the fund managers have agreed to give rebates (discounts) on those charges that are paid back into your account quarterly as additional units.
I want some more support
With our PathFinder tool, you just make two or three straightforward decisions and it will point you towards a fund for you to consider, based on your selected risk level. This will be a multi-asset fund, which means it holds a range of funds – normally spread across different types of investments – that have been chosen by an expert; and are constantly reviewed to ensure they contain the fund manager’s favourite ideas.
Just remember we’re here to help
If you’re ready to invest, we can help you ensure that you put this year's ISA allowance to good use.
Tax treatment depends on individual circumstances and all tax rules may change in the future. Discounts on Select 50 funds could come in the form of a rebate from the fund manager or lower annual management charges (AMC). If you receive a rebate outside of an ISA or Pension (SIPP), any rebates you receive are potentially liable to income tax at your marginal tax rate. You must ensure that any fund you choose to invest in is suitable for your own personal circumstances.
Investors should note that the views expressed may no longer be current and may have already been acted upon. Please note that this information and our guidance tools are not a personal recommendation in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals.
Invest in our Stocks and Shares ISA and pay no income or capital gains tax on your returns.
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