When is isa season

Nowadays this is known as FOMO — fear of missing out. Buy now or miss the juicy tax advantages. This is partly true. For those who have money sitting idly in a standard bank account that they don't need immediately, it may make sense to move before the end of the tax year.

If not, there is no need to rush. Some decisions, especially around money and taxes, need to be made by a certain date. Planning ahead by budgeting both for your regular income and expenditure but also for investment possibilities can help avoid being rushed into making a decision. When rushed, it is more likely decisions will be made in a hot state increasing the risk of doing something you will regret in the future. Tax advantageous forms of investments exist in several countries. The tax advantages of ISAs are clear and enticing.

However, that does not mean these investments are necessarily superior. Placing money in an ISA means diverting savings from other investments. It may not be the best decision for you. It should be considered as only part of your wider financial plans. Keep the fees very low and diversify your portfolio by avoiding home bias. Research by Vanguard shows this is prevalent across the globe. Global tracker funds are typically the most convenient way to avoid these traps. Also remember investments work best when held for a long time, preferably over five years.

If you buy a tax advantageous investment such as a stocks and shares ISA, commit for the long term. The tax advantages associated with some investments may drive some to avoid taking financial risk. People may have excellent individual reasons for keeping a large amount of money stashed away in cash ISAs.

However, taking a wider view than individual circumstances, this is unlikely. The high level of cash in what should be considered a long term investment choice fits with various studies that find individuals are highly risk averse when it comes to money, but that is especially so for those on lower incomes.

You should not place undue reliance on any forward-looking statement. Neither the Company nor AVI undertakes any obligation to update or revise any information in this website, including without limitation, any forward-looking statements, whether as a result of new information, future events or otherwise, and neither the Company nor AVI will confirm the accuracy or completeness of any information at any given time.

This website may contain links to third party websites. These links are provided for your information and convenience only, and do not amount to a recommendation or endorsement by the Company or AVI of that third party or its website. Neither the Company nor AVI has any control over the content of any third party website and neither the Company nor AVI has verified the accuracy of any content on any third party website.

Accordingly, neither the Company nor AVI is liable for the content or availability or lack of availability of such third party websites. As a result, neither the Company nor AVI accepts any ongoing obligation or responsibility in respect of any errors, omissions, interruptions or delays in service which may occur. Internet is not a secure medium of communication unless the data being sent is encrypted.

Neither the Company nor AVI accepts any responsibility for unauthorised access by a third party or the corruption of data sent to it. By continuing to use this website, you agree to the exclusion by the Company and AVI, to the extent permitted by applicable law and regulation, of any and all liability for any direct, indirect, punitive, consequential, incidental, special or other damages, or any loss of profits, revenue or data arising out of or relating to your use of and our provision of this website and its content.

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How do I invest? You should seek independent financial advice. Tax treatment depends on individual circumstances and may be subject to change in future. All rights reserved. Kuflink is a registered European Community trademark No.

Past returns should not be used as a guide to future performance. Securing investments against UK property does not guarantee that your investments will be repaid and returns may be delayed. Kuflink does not offer any financial or tax advice in relation to the investment opportunities that it promotes.

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