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It is still a good time to make Isa investments

The confirmation that February Isa sales are down by almost 40 per cent on last year is unlikely to come as news to anyone involved in investment sales.
For three months, the media has been getting itself in a spin about a possible recession and, with another 20 per cent wiped off the FTSE last week, investor sentiment is as flat as it can be.
But while much of the investing public continue to make their Isa decisions on the strength of doom and gloom headlines, IFAs would do well to ignore the media when advising clients in the last few days of the Isa season.
The reasons for investors to use their Isa allowances are as compelling as they ever were. While markets have the capacity to fall still further over the coming weeks, there are abundant opportunities for good, active fund management.
Many of the new companies which were overvalued last year have not only fallen back to sensible levels but are even beginning to look good value.
For nervous investors who refuse to be exposed to equity markets in their current state, almost all fund managers are offering phasing or free switching options.
In the face of a constant bombardment of advertising, it has become increasingly difficult to trust fund firms&#39 exhortations that now is the time to invest. But just as a stopped clock is right twice a day, the fund industry&#39s perpetual call to invest occasionally becomes shrewd advice.
It is also just about the best time to expose the fiction that Isa investors do not benefit from seeking out decent independent financial advice.


Scottish Legal Life – 5 Year Guaranteed Investment Bond – 2001 Issue 2

Monday, 2nd April 2001.Type: Guaranteed unit-linked bond.Aim: Growth by investing in Scottish Legal Life higher yield fund.Minimum investment: £3,000.Fund links: Scottish Legal Life higher yield fund.Allocation rates: Investments up to £5,000 – 100 per cent, £5,001-£9,999 – 102 per cent, £10,000-£19,999 – 103 per cent, £20,000-£49,999 – 104 per cent, £50,000-£99,999 – 105 per cent, […]

Adding equities to the asset equation

We concluded last week&#39s discussion by examining the merits of investing in commercial property as a core part of an investment portfolio. We compared the benefits of property against the alternative asset classes we have already considered. It now remains for us to add the final asset class – equities – to this series of […]

Scottish Mutual International – Guaranteed With Profit Bond

Wednesday, 4th April 2001.Type: Offshore with-profits bond.Aim: Income and growth by investing in Scottish Mutual International&#39s Dublin based with-profits fund.Minimum investment: £15,000, $22,500 or Euros 22,500.Place of registration: Dublin.Investment split: 100 per cent in Scottish Mutual International&#39s Dublin based with-profits fund.Guarantee: Capital returned in full along with an additional percentage of original investment which varies […]

IFAs say Brown not doing enough to push savings

Less than one in three IFAs believe Chancellor Gordon Brown is doing a good job to promote savings and investment among the public. Thirty-six per cent believe pensions will be a growing part of their business and 25 per cent said they are seeing a decline in pension business despite publicity surrounding the launch of […]


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