New Posts For Thread: isa advicehttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-adviceI don't really have the time or inclination to search out the next hot investment - so am considering investing my full isa allocation every year into Hendersons multi-manager fund , is this short sighted and foolhardy or am i bound to beat the curreBilly Hill point is there are other options besides ISAs and sticking money under your bed.Best thing anyone can do to preserve their savings is get out of pounds and into tangible assets such as commodities or at least currencies that aren't being shttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430914006#430914006Billy Hill point is there are other options besides ISAs and sticking money under your bed.Best thing anyone can do to preserve their savings is get out of pounds and into tangible assets such as commodities or at least currencies that aren't being sMon, 26 Apr 2010 10:50:45 -0500I would advise you read Common Sense on Mutual Funds by John Bogle.https://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430914002#430914002I would advise you read Common Sense on Mutual Funds by John Bogle.Wed, 21 Apr 2010 20:12:51 -0500Shab 11 Apr 19:27(only mugs use funds)What about ETFs? They carry the lowest chargese.g. For the FTSE 100 tracker XUKXhttp://www.halifaxmarketwatch.co.uk/security?ticker=LSE:XUKXA typical spread is 598.81 - 599.31 and £12 buying & selling withhttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913998#430913998Shab 11 Apr 19:27(only mugs use funds)What about ETFs? They carry the lowest chargese.g. For the FTSE 100 tracker XUKXhttp://www.halifaxmarketwatch.co.uk/security?ticker=LSE:XUKXA typical spread is 598.81 - 599.31 and £12 buying & selling withWed, 21 Apr 2010 11:13:18 -0500but if you don't use your ISA allowance in a tax year you lose it. so worth topping up if you have the spare cash. sticking money under the bed is also affected by inflation.https://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913994#430913994but if you don't use your ISA allowance in a tax year you lose it. so worth topping up if you have the spare cash. sticking money under the bed is also affected by inflation.Wed, 21 Apr 2010 07:39:24 -0500If inflation is greater than the interest on your ISA (which I believe it will be over the coming years) ISA's a are waste of time. They will lose you money.All you are investing in is paper.https://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913990#430913990If inflation is greater than the interest on your ISA (which I believe it will be over the coming years) ISA's a are waste of time. They will lose you money.All you are investing in is paper.Tue, 20 Apr 2010 10:48:59 -0500Surely a good Income fund has the same benefit with the added benefit of diversification. discount fund platforms only charge 0.5% and cover most of the market, however there is the Annual Management charge to consider.https://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913986#430913986Surely a good Income fund has the same benefit with the added benefit of diversification. discount fund platforms only charge 0.5% and cover most of the market, however there is the Annual Management charge to consider.Fri, 16 Apr 2010 15:43:16 -0500Agree with the previous comment, you could do worse than buy BP, Shell or Voda. 5% dividend yield (don't know exact figure) and possible capital growth, even at the bottom of the market BP held up reasonably well.I have plenty of BP and Voda in my IShttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913982#430913982Agree with the previous comment, you could do worse than buy BP, Shell or Voda. 5% dividend yield (don't know exact figure) and possible capital growth, even at the bottom of the market BP held up reasonably well.I have plenty of BP and Voda in my ISMon, 12 Apr 2010 13:57:37 -0500If you buy a fund you pay commission.You can invest your Equity ISA in a single company with a yield that is superior to the current interest rate-BP or Vodafone for eg-may give a capital gain as well and will be better protected against inflation thhttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=430913978#430913978If you buy a fund you pay commission.You can invest your Equity ISA in a single company with a yield that is superior to the current interest rate-BP or Vodafone for eg-may give a capital gain as well and will be better protected against inflation thMon, 12 Apr 2010 09:51:19 -0500With the withdrawal of higher rate tax relief on pensions for incomes over £150K, ISAs now seeming a better option to me. Next year could be basic rate tax relief only. With an ISA I can invest in funds, stocks, ETFs and ETCs, get discounts on thehttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=426046478#426046478With the withdrawal of higher rate tax relief on pensions for incomes over £150K, ISAs now seeming a better option to me. Next year could be basic rate tax relief only. With an ISA I can invest in funds, stocks, ETFs and ETCs, get discounts on theSun, 11 Apr 2010 14:14:14 -0500You should always put as much as you can into your ISA every year.As to not needing to use the CGT limit of £10k - it depends on the size of your ISA pot - putting £10,200 in every year for 20 years will get over £200k before growth - and £10k CGhttps://community.betfair.com/tradefair__financials/go/thread/view/94198/23729430/isa-advice?post_id=426046474#426046474You should always put as much as you can into your ISA every year.As to not needing to use the CGT limit of £10k - it depends on the size of your ISA pot - putting £10,200 in every year for 20 years will get over £200k before growth - and £10k CGSun, 11 Apr 2010 13:27:32 -0500