ISAs
ISAs -We Help You Make The Most of Your 2017/14 ISA Allowance
Choose from a range of cash or Invest in Stocks and Shares in tax-efficient way by taking out an Individual Savings Account. We make tax-efficient saving easy to ensure you don’t lose out.
Have A Happy ISA Year?
Don’t be one of the countless thousands who miss out on using their tax-efficient allowance before 5th April.
Individual Saving Accounts otherwise known as ISAs provide you with the opportunity to make a generous tax free saving each year, as there are no deductions of capital gains tax or income tax on each return.
ISAs themselves are not an investment but instead a wrapper that allows you to save money without the hassle of losing profit to capital gains tax and income tax. It is free to open an Individual Savings Account and whatever you save over the year will be tax-free.
Even if you withdrew part of your funds, you will not pay tax on this amount. However, this is permanently discounted from your yearly allowance.
Call us FREE on or click the link to the right to discuss your ISA options
Here's how we will help you make the ISA choices
- Jargon free independent advice, we have no affiliation with any business that could influence our assessment of your savings advice.
- Next generation ISA comparison software and experience to find you the best deals in the market.
- No upfront advice charging or any hidden fees and costs.
- Bespoke portfolio – matched to your investment requirements and individual needs.
- Annual reviews – to keep your investment on track, grow and meet your savings goals.
- We don’t rush you into a ISA. You’ll feel safe in the knowledge that your savings needs are all being expertly handled by real people who care
2o Years Established - That Counts
This year, 2017, sees us reach our 20 year anniversary. In all that time we’ve seen real changes in the financial market, but our core values have forever remained the same. Put simply, we’ve always striven to offer unbiased and objective financial advice, with a view to protecting and enhancing our client’s wealth and sense of well-being. Welcome to our conversation.
Our Promise
We stand for honesty – advice – trust and value. Our culture and people matter and promise you this, the team that makes Equity SMART work will be centred on you. Our team believe in treating clients like family, so you can be confident that we’ll give you the same advice we would give to our own relatives.
Our Investment Philosophy -Get Rich Slowly
We believe in a “Get Rich Slowly” philosophy through a “passive investment” approach to purchasing investments. This we believe is the right choice for the majority of investors who are seeking more peace of mind, when looking to achieve sustained performance over the longer term.
- Passive investment is the rational, mathematically proven route to investing success.
- Our investment strategies are focused on your risk profile, well researched, efficient and low maintenance.
- We look to keep your costs low through longer term appreciation, reduced maintenance and look to avoid unnecessary trading.
- Ensure you are not over exposed at any time through wide diversification of your asset classes.
- We provide regular reviews and rebalancing when required or on a 6 monthly or yearly basis.
Get Your ISA Review in 4 Easy Steps
Start Your ISA Review Today
Click the button and fill out our short form and one of our advisers will contact you.
Start Your ISA ReviewKind Words & Praise
“Very pleased with the service provided. Highly professional and standard of information provided was very comprehensive. I was kept informed at all stages of the process.”Stephen McCoy
“I found the staff who I personally dealt with very friendly helpful and professional and the people on the other side of the phone exceptionally friendly too.”M Patterson
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More Detail on individual Savings Accounts (ISAS) are Free of Income Tax
If you are a higher rate taxpayer, an ISA is particularly valuable. If you received a £100 return on a dividend, you would have to pay £25.00 on income tax. However, if this money was invested in a tax efficient ISA, there would be no income tax to pay. This is worthwhile especially if your tax rate bracket is due to increase in the future, and there is no guarantee that the Government will not alter the current tax bands and force more people into a higher tax rate bracket in the future.
Pay No Capital Gains Tax
When you open an Individual Savings Account, there is no capital gains tax to pay on the yearly allowance. This is reassuring to anyone who decides to open an ISA.
Tax Efficient Bonds - Something Else To Consider
If you held bonds on your ISA, the generated income would be free of capital gains tax and income tax. This is especially useful if you decide to use your funds as an income source, perhaps as retirement looms. If you feel no current need to invest in bonds, you may want to rethink moving equity funds into bonds for the future, especially if you may need to withdraw an income or diminish the level of risk in your financial portfolio, as you grow closer to retirement.