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New to investing or don’t have time?
Ready Made Portfolios for Your 2020-21 ISA
If you are new to investing or simply don’t have the time to look after your investments then a ready made portfolio may be right for you.
Ready made investment portfolios allow you to leave the work of selecting investments to an expert.
A number of Investment platforms offer this service in which model portfolios are set up to suit a range of different investment goals and where you can decide based on your attitude to investment risk what is right for you.
The portfolio can be invested using your 2020-21 or 2021-2022 ISA allowance.
5 Model Portfolios To Consider
Capital is at risk.
- Designed to help you realise your financial goals
- Portfolios include; Active growth, Active income, Low cost growth, Low cost income & an ethical portfolio option
- Fixed fee platform – £9.99 pm
Searching for income?
Investments that pay tax free monthly income
Looking for good investment options for generating income from capital.
As a result of recent extreme economic conditions, many companies have temporarily stopped paying dividends or have significantly reduced the amount they are paying out.
This means the income that is likely to be paid out by funds and investment trusts in the near future may be far less than the historic yield quoted in the portfolios.
We have put together some ideas for income investors that are worth a further look that can be held within an ISA.
Defined risk with defined returns
Investment plans for uncertain times
Fixed term investment plans which provide exposure to the stock market but often with protection built in to mitigate market risk.
This balance can be attractive to investors particularly in uncertain markets.
See a selection of investment plans for income and growth that can be held within an ISA.
Require capital protection?
If you could combine the potential to achieve investment level returns, with the same capital protection as any other bank deposit account, some might consider this the best of both the savings and investment worlds combined.
Anyone who has been saving for more than a few years, will no doubt agree that the future for savings rates is likely to offer at best a status quo of the current lows, as any sharp increase to interest rates seems unlikely in the short to medium term, and even less likely that any increase would be passed on to savers.
So whilst longer term fixed rate bonds offer well under 2.5% per year, where are the opportunities for Cash+ returns? Is there a middle ground for risk averse savers?
One option is the structured deposit. With this type of plan you can use your ISA allowance to benefit from tax free capital growth or income.
Deposit Plan Offer
Looking for a Capital Protected alternative to Cash?
Potential 18.3% after 6 years
- Potential 18.3% if the FTSE 100 rises by any amount after 6 years
- Equivalent to 3.05% per year
- 6 year term
- Available as cash ISA, non ISA or ISA transfer
- Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
Our view: The 18.3% potential return is equivalent to 2.84% compound growth each year which is significantly more than the current leading longer term savings rates
Income Plan Offer
MB UK Quarterly Contingent Income Plan
Up to 4% pa
- Income paid provided the FTSE 100 Index has not fallen by more than 25%
- Quarterly income (paid gross)
- Maximum 6 year term
- Early maturity potential
- Available for ISAs and ISA transfers
- Invest from £5,000