About Individual Savings Accounts (ISA’s)
It’s a type of account that works like a wrapper for your investment funds. We, at Seymour Sinclair offer Investment ISAs. An Investment ISA invests in Investment Funds, compared with Cash ISAs which only invests in cash.
Tax Free Saving
ISAs are an ideal way for people to invest as they offer generous tax benefits and allow you to access your money when you want. Whatever you are saving for, when you invest in an ISA, you pay no further tax on any income earned or any gains when you sell your investments.
Important to Know
You cannot roll over your allowance from one year to the next, so if you don’t use it by the 5th April, you lose it. You can invest as one lump sum or smaller amounts throughout the tax year or set up a regular savings plan. The right ISA for you depends on your age, savings goals and attitude to risk.
Benefits of an ISA
- Generous ISA Limit: The 2021/2022 ISA limit is £20,000
- Simple Transfer Options: You can transfer from a Cash ISA to a Stocks & Shares ISA, and vice versa.
- Improved Tax Efficiency: Free of capital gains tax with no higher rate tax on dividends. All income is paid without any further liability (unlike income from pensions).
- Relaxed Rules: No need to mention an ISA on your tax return.
- Great Flexibility: You can access your money when you need it. And when you come to take your money out of your ISA you don’t pay any tax. You can also split the ISA allowance as you wish between a Stocks & Shares ISA and a Cash ISA.
- Inherited ISA Allowance: The surviving spouse or civil partner will benefit from an additional one-off ISA Allowance equal to the total amount the deceased held within their estate at the date of death.
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IMPORTANT INFORMATION: Remember that the value of investments and the income from them can go down as well as up and that past performance is no guarantee of future returns. Key Feature documents give full details of aims, risks and charges – these should be read before you invest. Whilst we provide product information, guidance and fund research, we cannot know which of these products or funds, if any, are suitable for your particular requirements and must leave that judgement to you. Tax treatment depends on your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of an investment, you should seek expert financial advice.
Your Capital is at Risk
Seymour Sinclair Investments Limited is authorised and regulated by the Financial Conduct Authority and offers an execution-only service. Past performance is not a reliable guide to future returns. Market and exchange-rate movements may cause the value of investments to go down as well as up. Yields will fluctuate and so income from investments is variable and not guaranteed. You may not get back the amount originally invested. Tax treatment depends of your individual circumstances and may be subject to change in the future. If you are unsure about the suitability of any investment you should seek professional advice. Whilst Seymour Sinclair provide product information, guidance and fund research we cannot recommend which of these products or funds, if any, are suitable for your particular circumstances and must leave that judgement to you. Before investing you must read the Seymour Sinclair and Platforms Terms and Conditions and it is important that you read the specific risk factors on the Key Investor Information Documents for the funds which you are considering investing in.
For non-platform business, where we can still give discounts, those discounts are subject to receipt of commission and may be subject to change if commission levels are altered. The information on this site is intended solely for the use of those people who are United Kingdom residents for tax and investment purposes.