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LIVE24SEVEN // Business Four Oaks


ARE ISAs SUCH A GOOD THING?


Most people know that ISAs are a tax efficient way to save but may not know that there are ISAs and there are ISAs. So how do you know where best to invest?


ISAs are generally a good option because you won’t pay any tax on the income or gains you get from the ISA*. But there are different kinds of ISA and one might be better for you than another. You can invest in a cash ISA, a stocks-and-shares ISA or opt for a bit of both.


To know which ISA is most suitable depends upon your attitude to risk. A financial adviser will take time to understand how you feel about risk and your financial goals. Only then will they be able to advise you on suitable options. You have until 5th April 2018 to use your ISA allowance and it’s worth knowing that a financial adviser will have access to ISAs that are not available on the high street.


*Investors do not pay any personal tax on income or gains, but ISAs do pay tax on income from stock and shares within the funds.


The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.


Tax treatment depends on individual circumstances. Tax treatment rates and allowances are subject to change.


Martin Ward is a Financial Adviser and Managing Director of Four Oaks Financial Services Limited.


He began his career in financial services in 1982 and has a tremendous amount of knowledge and experience in the Financial Services sector.


To arrange a meeting at our office, your office or in your home call


FOUR OAKS FINANCIAL SERVICES LTD 168 Birmingham Road, Shenstone Wood End, Lichfield WS14 0NX TEL: 0121 323 2070


www.fouroaksfs.com / 78


0121 323 2070 www.fouroaksfs.com


COMPANY Address Address


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T. 0781 031 3846 W. WWW.G-LABS.CO.UK


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Financial Advice For The Future You Dream Of


For The Future Yo


For complete peace of mind arrange a meeting with one of our qualified financial advisers and be assured of tailor-made financial advice and expert financial planning for now, for your future and your family’s future.


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You Dream Of d financial advisers and be


The value of pensions and investments and the income they produce can fall as well as rise. Y


You may get


back less than you invested. Estate planning is not regulated by the FCA. Your home may be


repossessed if you do not keep up repayments on the mortgage.


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