ISA guidance: Why it pays to call in the experts

Emma-Lou Montgomery
Emma-Lou Montgomery
Fidelity Personal Investing7 March 2018

Getting the experts to help with your ISA investments can really pay off. Keeping on top of where in the world you should be investing this tax year’s ISA can be a full-time job. Second guessing which sectors or even which assets will fare best in the current market conditions - let alone guessing what will happen next - is no easy feat.

Worrying about whether you should or shouldn’t invest now, how much of your ISA portfolio you should put into X or whether to take profits from Y, are all issues that can keep you awake during the wee small hours.

The trick, of course, is to look for companies that are able to consistently produce growth, irrespective of the macro environment. Now, as anyone who’s tried it will know, that’s often a lot more difficult than it sounds but it’s the stuff fund managers excel at – and where they really earn their money.

So leave that to the people who make a career out of it, by letting our experts guide you with this year’s ISA.

Hand it to those in the know

Having an ear to the ground and a team of analysts on hand to ‘kick the tyres’ of any business they are thinking of investing in, or an eye on the bigger picture and access to all the data they need to analyse and forecast trends and changes, enables these experts to spot the beneficiaries long before anyone else.

That’s just the sort of insight that can make all the difference to your ISA investment choices and that comes in especially handy when there are uncertainties weighing heavily on the financial markets or when there’s a scarcity of economic growth signalling which way you should go.

Investing in actively managed multi asset funds is a good way to diversify. As ready-made single investments, these funds themselves invest in a range of funds. This gives you exposure to different sectors, assets and markets in one fell swoop, while you let the fund manager do the hard work - choosing and managing the underlying funds.

And now even choosing which multi-asset funds are right for you is easier when you use the Fidelity PathFinder Tool.

The tool is not a personal recommendation to buy a fund, but is aimed at helping investors who lack the experience, confidence or just simply the time to manage their own investments. Quick and easy. It’s a good way to start investing.

Name your goals

All you have to do is pick the level of risk you want to take, say whether you want to invest a one-off lump sum, make a regular monthly investment or do a mixture of both, and whether you want to invest for income or growth. Fidelity’s experts will then take it from there - making the day-to-day decisions involved in managing a diversified portfolio.

You might already know that you simply want to make the most of what you’ve got or you might have a specific goal in mind for this year’s ISA. If not, then we even have a tool that will help you get to grips with the sort of level of risk that’s right for you, in 10 steps.

There are five levels of risk to choose from and these levels are determined by the assets held in the funds that our Multi Asset team have chosen. If you want a lower-risk way to invest you could choose a level that comprises a fund that has a greater allocation of bonds and cash. At the other end of the scale, you could opt for a more growth orientated fund that is fully invested in global equities or investments with a similarly higher level of risk.

Whichever level of risk you’re comfortable with, our specialist group of experienced analysts and fund managers has developed investments that might help you achieve your goals.

With more than 20 years’ experience of managing these ready-made portfolios, you can be sure that the blends of funds chosen and managed by our experts will give you a fully diversified investment when it comes to this year’s ISA.

For more investment ideas, check out the latest episode of MoneyTalk


Important Information

The value of investments can go down as well as up so you may get back less than you invest. Performance is not guaranteed. Tax treatment depends on individual circumstances, and all tax rules may change in the future. You should regularly reassess the suitability of your investments to ensure they continue to meet your attitude to risk and investment goals. 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 service are not personal recommendations in respect of a particular investment. If you need additional help, please speak to an authorised financial adviser.