Fair Investment puts the spotlight on ISAs and investment diversification Go compare with our comparison table

Fair Investment puts the spotlight on ISAs and investment diversification

08 March 2010 / by Rachel Mason

In the second edition of its free investment magazine, Investment Direct, Fair Investment Company’s head of pension and investment research George Ladds explains the importance of diversification while savings and investments editor Rebecca Sargent takes an in depth look at ISAs....

ISAs – ‘tis the season to invest


“As UK national debts exceed £800billion, we all know that it is only a matter of time before taxes begin to rise, eating into our hard earned cash. But what is one of the single most effective ways of shielding a proportion of your savings from the tax man?” asks Rebecca Sargent.

The answer? ISAs.

“Your ISA allowance is your personal tax haven that allows you to save money without paying any capital gains tax and with no further tax on any income that you receive from the investment
within the tax free savings wrapper.

“Making the most of your ISA is therefore essential when it comes to taking control of your investments and making your money work in the most beneficial way for you.”

Read more from Rebecca Sargent on what makes ISAs so special and how best to manage your ISAs for maximum results »


Making your money work harder


If you are one of many investors who have seen their investments fall as a result of recent market volatility, you will be looking at ways to make the most of your money. George Ladds talks about the importance of diversification...

“Our working life should enable us to save and provide capital and income to ensure we enjoy a comfortable retirement. Market volatility has meant many investors have seen their investments fall. This has been particularly painful for those coming up to retirement, or those using capital to provide income in retirement.

“Our focus for this latest edition of Investment Direct is to look at different investment solutions including cash, structured investment products and investment funds, and how these options could address your attitude to risk and help you to build a diverse investment portfolio.

“As Martin Walker, UK Fund Manager for Invesco Perpetual puts it ‘We have all heard the old adage of not putting all your eggs in one basket. The same principle applies to investing, where diversification - be it geographical or by asset class - can help to limit portfolio risk.’ ”

Read more from George Ladds on diversification »


Investment Direct – a positive response


“We are really pleased at how well the first edition of Investment Direct was received,” says Nick Scarrett, head of investments and pensions at Fair Investment Company. “From the feedback we have received, it is clear that Investment Direct is exactly the type of resource investors are looking for.

Nick continues, “People want to be able to do their own research and make their own minds up about their own investments, and with our features, market updates and all the latest product information they are empowered to do so. Plus, with our special rates and cashback deals, they can also get a better deal on their investments through Fair Investment than if they went directly to fund managers and investment houses.”

To read more on diversification, ISAs and other topics, get access to expert investment analysis, compare investment solutions and receive great discounts and cashback on a range of investment products, download the latest edition of Investment Direct, free today.

 Product NameISA OptionIncome YieldMore Info
Income Maximiseryes
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Seeks to achieve a target yield of 7% to generate a quarterly income, whilst offering the potential for some long-term capital growth. Save 100% on Initial Charges.
Monthly Income Plus Fundyes
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Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
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Strategic Bondyes
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Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save up to 97% on Initial Charges.
Invesco Perpetual Corporate Bond Fundyes
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This highly popular investment fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
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Artemis Income Fundyes
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One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge.
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Invesco Perpetual High Income Fundyes
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One of the UK's most popular income funds, the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge.
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M&G Corporate Bond Fundyes
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The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.
Jupiter Merlin Income Portfolioyes
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The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Charge.
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The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.