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LIVE 24-SEVEN - BUSINESS FOUR OAKS


WILL YOU WASTE YOUR ISA ALLOWANCES?


Do you know that you have an annual ISA savings allowance? Do you know that you also have an annual ISA allowance for a Junior ISA?


Being aware of a few financial facts can help you save tax-efficiently. A Junior ISA is a good way for you to give a child a great start in life. It is tax-efficient because all the interest is tax free, and when they reach 18 the money can be put towards the cost of university or a deposit for a house.


The 5th April 2018 is the cut-off date for using your 2017/2018 ISA allowances, up to £20,000 for you and £4,128 for a Junior ISA. When the new tax year starts on 6th April 2018 the allowances for you remain at £20,000 but the allowance for a Junior ISA goes up to £4,260. There are different kinds of ISAs so talk to your Financial Adviser to see which is most suitable for you and they can also access ISAs that are not available on the high street.


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


Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.


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


Financial Advice For The Future You Dream Of


For The Future Yo


made financial advice and expert your family’s future.


-m  You Dream Of


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


  Planning


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    Savings


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   


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.


Martin Ward is the 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.


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


www.fouroaksfs.com / 66


A/0067


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


0121 323 2070 www.fouroaksfs.com


168 Birmingham Road, Shenstone Wood End, Lichfield, WS14 0NX


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