{"id":474,"date":"2023-07-24T16:37:01","date_gmt":"2023-07-24T16:37:01","guid":{"rendered":"https:\/\/www.sheilatarr.co.uk\/?page_id=474"},"modified":"2023-10-30T07:23:57","modified_gmt":"2023-10-30T07:23:57","slug":"investments","status":"publish","type":"page","link":"https:\/\/www.sheilatarr.co.uk\/investments\/","title":{"rendered":"Investments"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"474\" class=\"elementor elementor-474\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-51cc0a3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51cc0a3\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-95e7f57\" data-id=\"95e7f57\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ee9549 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6ee9549\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9fb049d\" data-id=\"9fb049d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-29490ee elementor-section-content-middle elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29490ee\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-cb7a8af\" data-id=\"cb7a8af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-abfe9e9 elementor-widget elementor-widget-heading\" data-id=\"abfe9e9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Investments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fca91d3 elementor-widget-mobile__width-initial elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"fca91d3\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Personalised guidance, whether it\u2019s your first investment or you have a large portfolio.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0f68a6c\" data-id=\"0f68a6c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b3f51e elementor-icon-list--layout-inline elementor-align-right elementor-mobile-align-left elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9b3f51e\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/elementor\/css\/custom-widget-icon-list.min.css?ver=1714150453\">\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Home<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.sheilatarr.co.uk\/services\/\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-circle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">SERVICES<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-circle-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Investments<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-306706b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"306706b\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ac2a6f\" data-id=\"0ac2a6f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e216ad9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e216ad9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6e3d0a6\" data-id=\"6e3d0a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0cfcd7a elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0cfcd7a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Smart Investments for Your Financial Future<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-93c1565 elementor-widget-divider--separator-type-pattern elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"93c1565\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-divider{--divider-border-style:none;--divider-border-width:1px;--divider-color:#0c0d0e;--divider-icon-size:20px;--divider-element-spacing:10px;--divider-pattern-height:24px;--divider-pattern-size:20px;--divider-pattern-url:none;--divider-pattern-repeat:repeat-x}.elementor-widget-divider .elementor-divider{display:flex}.elementor-widget-divider .elementor-divider__text{font-size:15px;line-height:1;max-width:95%}.elementor-widget-divider .elementor-divider__element{margin:0 var(--divider-element-spacing);flex-shrink:0}.elementor-widget-divider .elementor-icon{font-size:var(--divider-icon-size)}.elementor-widget-divider .elementor-divider-separator{display:flex;margin:0;direction:ltr}.elementor-widget-divider--view-line_icon .elementor-divider-separator,.elementor-widget-divider--view-line_text .elementor-divider-separator{align-items:center}.elementor-widget-divider--view-line_icon .elementor-divider-separator:after,.elementor-widget-divider--view-line_icon .elementor-divider-separator:before,.elementor-widget-divider--view-line_text .elementor-divider-separator:after,.elementor-widget-divider--view-line_text .elementor-divider-separator:before{display:block;content:\"\";border-block-end:0;flex-grow:1;border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--element-align-left .elementor-divider .elementor-divider-separator>.elementor-divider__svg:first-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-left 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.elementor-divider-separator>.elementor-divider__svg:last-of-type{flex-grow:0;flex-shrink:100}.elementor-widget-divider--element-align-end .elementor-divider-separator:after{content:none}.elementor-widget-divider--element-align-end .elementor-divider__element{margin-inline-end:0}.elementor-widget-divider:not(.elementor-widget-divider--view-line_text):not(.elementor-widget-divider--view-line_icon) .elementor-divider-separator{border-block-start:var(--divider-border-width) var(--divider-border-style) var(--divider-color)}.elementor-widget-divider--separator-type-pattern{--divider-border-style:none}.elementor-widget-divider--separator-type-pattern.elementor-widget-divider--view-line .elementor-divider-separator,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:after,.elementor-widget-divider--separator-type-pattern:not(.elementor-widget-divider--view-line) .elementor-divider-separator:before,.elementor-widget-divider--separator-type-pattern:not([class*=elementor-widget-divider--view]) .elementor-divider-separator{width:100%;min-height:var(--divider-pattern-height);-webkit-mask-size:var(--divider-pattern-size) 100%;mask-size:var(--divider-pattern-size) 100%;-webkit-mask-repeat:var(--divider-pattern-repeat);mask-repeat:var(--divider-pattern-repeat);background-color:var(--divider-color);-webkit-mask-image:var(--divider-pattern-url);mask-image:var(--divider-pattern-url)}.elementor-widget-divider--no-spacing{--divider-pattern-size:auto}.elementor-widget-divider--bg-round{--divider-pattern-repeat:round}.rtl .elementor-widget-divider .elementor-divider__text{direction:rtl}.e-con-inner>.elementor-widget-divider,.e-con>.elementor-widget-divider{width:var(--container-widget-width,100%);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-divider\" style=\"--divider-pattern-url: url(&quot;data:image\/svg+xml,%3Csvg xmlns=&#039;http:\/\/www.w3.org\/2000\/svg&#039; preserveAspectRatio=&#039;none&#039; overflow=&#039;visible&#039; height=&#039;100%&#039; viewBox=&#039;0 0 24 24&#039; fill=&#039;black&#039; stroke=&#039;none&#039;%3E%3Cpolygon points=&#039;9.4,2 24,2 14.6,21.6 0,21.6&#039;\/%3E%3C\/svg%3E&quot;);\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4787691 elementor-widget elementor-widget-text-editor\" data-id=\"4787691\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>It&#8217;s vital to have a well-thought-out investment strategy to help you accumulate wealth over time.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ed7d06 elementor-widget elementor-widget-text-editor\" data-id=\"2ed7d06\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>There are several investment tools and approaches to aid in this including Individual Savings Accounts (ISAs) or ISAs, Investment Accounts, Investment Bonds and specialist investments like Venture Capital Trusts (VCTs). We can help advise which approach is best for your circumstances, the end goal being to make your money work harder for you and ultimately secure your financial future.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21a6da6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21a6da6\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f80722e\" data-id=\"f80722e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1aa3887 elementor-widget elementor-widget-image\" data-id=\"1aa3887\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 25-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/05\/Sheila-Tarr-Services-Image2.jpg\" class=\"attachment-full size-full wp-image-139\" alt=\"\" srcset=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/05\/Sheila-Tarr-Services-Image2.jpg 800w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/05\/Sheila-Tarr-Services-Image2-300x200.jpg 300w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/05\/Sheila-Tarr-Services-Image2-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-852dd02\" data-id=\"852dd02\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-030c7b3 elementor-widget elementor-widget-heading\" data-id=\"030c7b3\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ISA'S OVERVIEW<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5c0c8a elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d5c0c8a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">An overview of ISAs available to you<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67edd84 elementor-widget elementor-widget-text-editor\" data-id=\"67edd84\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>If you have ever considered investing in something other than cash you have probably looked at opening an Individual Savings Account, more commonly known as an ISA.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b2c733 elementor-widget elementor-widget-text-editor\" data-id=\"6b2c733\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The ISA has been around for more than 20 years and there is a wide range of ISAs to choose from.<\/p><p>The following article will explain the key differences and how each type of ISA can be of benefit in meeting your financial goals.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-de33dca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"de33dca\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b474e73\" data-id=\"b474e73\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-04fc00d elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"04fc00d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is an ISA?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4385c0 elementor-widget elementor-widget-text-editor\" data-id=\"b4385c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An Individual Savings Account (ISA) is a special type of tax efficient account. There are different types of ISAs and the annual allowance is currently \u00a320,000 for the 2023\/24 tax year.<\/p><p>You are not allowed to put money into more than one of the same type of ISA in the same tax year and the allowance cannot be carried forward to the next tax year so it is important to use as much of it as you can each year.<\/p><p>Let us remind ourselves about the different types of ISAs that are available to you.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-adc2843 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"adc2843\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are cash ISA's?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-047f5e3 elementor-widget elementor-widget-text-editor\" data-id=\"047f5e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Cash ISAs are available to anyone over the age of 16 and are similar to a standard bank or building society account. \u00a0The key difference with a\u00a0cash ISA\u00a0is that any interest earned within the ISA is always tax-free.<\/p><p>A fixed rate cash ISA will offer a fixed rate of interest for a specified term. You will be able to access your money before the end of the chosen term but you may suffer a hefty penalty to do so.<\/p><p>Alternatively, another option could be a variable rate cash ISA or an easy access cash ISA. These tend to offer you unrestricted access if you need to get hold of your money quickly.<\/p><p>A regular savings cash ISA allows you to save a small amount of money each month and is good for getting you into the savings habit by agreeing to pay in a minimum amount on a regular basis.<\/p><p>You will need to decide how long you are prepared to put your money away for, the type of contributions you would like to make and whether you will need quick access to your money.<\/p><p>It is important to review all the available options (and hidden penalties) so that you select the best cash ISA to suit your needs.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c10218d elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"c10218d\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does a stocks and shares ISA work?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8606628 elementor-widget elementor-widget-text-editor\" data-id=\"8606628\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A stocks and shares ISA allows you to invest your money across a variety of markets and sectors, offering wider investment opportunities and potential for growth when compared to a cash ISA. It comes with a greater degree of risk and your investments may go down as well as up in value. All income and growth within a stocks and shares ISA is tax-free.<\/p><p>The charges made by your chosen provider and the investment decisions you make can have a significant bearing on how your ISA performs.<\/p><p>Unless you are an experienced investor who is comfortable with the ups and downs of stock market investing it is best to seek guidance from a reputable financial adviser.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f997e63 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f997e63\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is a lifetime ISA? <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9233212 elementor-widget elementor-widget-text-editor\" data-id=\"9233212\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>A\u00a0Lifetime ISA or LISA\u00a0is open to individual\u2019s aged between 18-40. It\u2019s aimed to help younger savers accumulate a deposit for their first home or for people looking to save for later life.<\/p><p>You can contribute to it up until your 50th birthday and you can opt to save into stocks and shares, cash or a mixture of both.\u00a0The annual LISA limit is \u00a34,000\u00a0and the government will add a 25% bonus to the amount you save. The bonus will be added to your LISA the month after the deposit.<\/p><p>If you do not use your LISA for a home deposit, you can access the funds penalty-free from your 60th birthday. The LISA can be used to purchase a home up to \u00a3450,000.<\/p><p>You are still able to access your LISA funds before you turn 60, but unless it is for a first house deposit you will pay a 25% withdrawal penalty, in effect losing the government bonus and some more, so you must be content to lock your money away for a significant length of time.<\/p><p>The LISA was put in place to replace the Help to Buy Scheme. Both the LISA and the H2B ISA offer the 25% government bonus and the chance to accumulate a deposit for your first home. The H2B ISA is no longer available for new subscriptions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6b8b801 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6b8b801\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Junior ISA's <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7680918 elementor-widget elementor-widget-text-editor\" data-id=\"7680918\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Junior ISAs or JISAs were introduced in November 2011, replacing the Child Trust Fund.<\/p><p><strong>How does a Junior ISA work?<\/strong><\/p><p>A Junior ISA can be opened at birth and is controlled by a parent or guardian until the child turns 16. You can invest the annual allowance into stocks and shares, cash or a mixture of both. You can make payments to a cash JISA and a stocks\/shares JISA per tax year (but can only hold one of each type). Once your child turns 16 they can also pay \u00a320k to a cash ISA. The current annual allowance is \u00a39,000.<\/p><p>This can be a concern for parents who may not be comfortable with their child having full control over a large sum of money at such a young age, especially as the parent will have no say as to how the money is held or spent.<\/p><p>However, JISAs are fantastic for building up savings from birth and if you choose to include your child in the process it will give them the opportunity to engage in financial planning from an early age.<\/p><p>NB: Any child holding a Child Trust Fund (CTF) can\u2019t have a JISA opened for them unless the CTF is first transferred to a JISA and the CTF closed.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a120ce0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a120ce0\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2ca2e3d\" data-id=\"2ca2e3d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ebf811d elementor-widget elementor-widget-heading\" data-id=\"ebf811d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment Accounts<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69439b5 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"69439b5\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment Accounts<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f77c1b elementor-widget elementor-widget-text-editor\" data-id=\"5f77c1b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>An Investment Account or General Investment Account is a way for clients to investment into a portfolio of assets that are managed by a professional fund manager.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c91183f elementor-widget elementor-widget-text-editor\" data-id=\"c91183f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>These assets could include stocks, property, and bonds. Within the portfolio there could be anywhere from dozens of underlying assets to tens thousands. This allows the client\/investor to benefit from some diversification and for the fund manager to make changes according to market conditions.<\/p><p>As a company we do not provide advice on direct stocks and shares (however, we do have links to specialist investment managers who do) which means our advice in this area means using unit trusts \/ collective investments \/ OEIC\u2019s. These terms can effectively be interchanged but it can make it quite confusing for new or even existing investors.<\/p><p>A portfolio of assets held within a General Investment Account will, on face value, look very similar to a Stocks and Shares ISA. It is a portfolio of investments held for the benefit to provide medium to long term capital growth and income.<\/p><p>However, the General Investment Account does not have the same tax free status as the ISA. An investor does benefit from some tax allowances such as dividend allowance and capital gains tax. This means, when used as part of a focused tax-planning strategy, they can give you the flexibility to make the most of your annual tax allowances.<\/p><p>We also regularly use these General Investment Accounts to help fund future ISA and Pension contributions for even greater tax efficiency.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ed061f6\" data-id=\"ed061f6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f3e32c elementor-widget elementor-widget-image\" data-id=\"2f3e32c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image3.jpg\" class=\"attachment-full size-full wp-image-1072\" alt=\"Investments Image\" srcset=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image3.jpg 800w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image3-300x200.jpg 300w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image3-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-30ea04a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30ea04a\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-5e97478\" data-id=\"5e97478\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8090e5d elementor-widget elementor-widget-image\" data-id=\"8090e5d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investment-Bonds-Image2.jpg\" class=\"attachment-full size-full wp-image-1073\" alt=\"Investment Bonds Image\" srcset=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investment-Bonds-Image2.jpg 800w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investment-Bonds-Image2-300x200.jpg 300w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investment-Bonds-Image2-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1e57738\" data-id=\"1e57738\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d2e562 elementor-widget elementor-widget-heading\" data-id=\"8d2e562\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Investment Bonds<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0933d93 elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"0933d93\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What are Investment Bonds?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c464bd elementor-widget elementor-widget-text-editor\" data-id=\"6c464bd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Investment Bonds generally fall into two categories, Onshore or Offshore and the main difference is their tax treatment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7550b8 elementor-widget elementor-widget-text-editor\" data-id=\"a7550b8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>In high-level terms, Onshore Bonds are subject to UK corporation tax, while Offshore bonds are issued from tax havens outside of the UK, for example the Isle of Man, Dublin, Luxembourg or the Channel Islands, where there is little, or no tax charged on the funds.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4d98cc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4d98cc\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0e7d91\" data-id=\"c0e7d91\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b06b1a elementor-widget elementor-widget-text-editor\" data-id=\"5b06b1a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Investment Bonds can be set up on the following bases:<\/p><ul><li>Single Life<\/li><li>Joint Life First Death<\/li><li>Joint Life Second Death\u00a0<\/li><li>With multiple lives assured<\/li><li>Capital Redemption Bond (no lives assured)<\/li><\/ul><p>On death of the life assured (or the second\/last to die with joint\/multiple life plans), up to 101% (depending on the product) of the value of the fund is payable to your beneficiaries.<\/p><p>Investment Bonds can invest in a range of investments (varies between providers) and some also allow for a third party discretionary fund manager to be appointed.\u00a0<\/p><p>They are designed to provide capital growth but can also facilitate a regular income withdrawal. Regular withdrawals of up to 5% of the amount invested may be taken each year free of any immediate tax liability until 100% of the original investment has been withdrawn. Withdrawals in excess of the 5% is possible, but this could result in a tax charge. As always, this is not as simple as it may seem and there are regulations to consider regarding the 5% withdrawal rate and withdrawals in general for an Investment Bond which means taking advice is recommended.<\/p><p>The use of an Investment Bond can be very beneficial to your financial planning needs. This has become even more apparent following changes to tax rates on capital gains and dividends. However, the use of bonds comes with complications that could un-intentionally create a tax liability so advice is highly recommended.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d58085b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d58085b\" data-element_type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4076b19\" data-id=\"4076b19\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e7645ae elementor-widget elementor-widget-heading\" data-id=\"e7645ae\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SPECIALIST INVESTMENTS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7482f7a elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"7482f7a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Specialist &amp; Esoteric Investments<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9166fa0 elementor-widget elementor-widget-text-editor\" data-id=\"9166fa0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>At Sheila Tarr we also have access to and advise on what is termed esoteric investments. These are specialist investments that can be used to great effect for a client\u2019s long term investment goals and tax planning.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9051ace elementor-widget elementor-widget-text-editor\" data-id=\"9051ace\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>This could include:<\/p><ul><li>Venture Capital Trusts (VCT\u2019s)<\/li><li>Enterprise Investment Scheme (EIS)<\/li><li>Seed Enterprise Investment Scheme (SEIS)<\/li><li>Business Property Relief (BPR)<\/li><\/ul><p>They all offer different benefits and various tax advantages. Here are some examples.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-46cd3a8\" data-id=\"46cd3a8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2919ebf elementor-widget elementor-widget-image\" data-id=\"2919ebf\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image4.jpg\" class=\"attachment-full size-full wp-image-1074\" alt=\"Esoteric Investments Image\" srcset=\"https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image4.jpg 800w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image4-300x200.jpg 300w, https:\/\/www.sheilatarr.co.uk\/wp-content\/uploads\/2023\/10\/Investments-Image4-768x512.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-34bfe3a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"34bfe3a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-69da041\" data-id=\"69da041\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-be5ca5c elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"be5ca5c\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What are VCTs?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fbb3be5 elementor-widget elementor-widget-text-editor\" data-id=\"fbb3be5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>VCTs are investment companies listed on the London Stock Exchange that raise money from investors to invest in young, privately-owned companies not listed on the stock market or listed on the junior market Aim.<\/p><p>When someone invests in a VCT they become a shareholder of the trust itself, giving them exposure to any investments the VCT makes after the investment as well as the existing portfolio. VCTs were introduced in 1995, as a way to offer generous tax breaks and become a well-established alternative for experienced investors.<\/p><p>VCT investment is long-term and not for everyone. Anyone investing needs to be aware that long-term thinking is required, as years could pass for successful investments to pay off and the potential for those that fail to result in a total loss of money.<\/p><p>VCTs are for experienced investors who don\u2019t demand immediate liquidity and can withstand a potential loss. In return for this higher risk investing in future driver companies for economic growth, investors stand to get up to 30 per cent income tax relief and tax-free dividends.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf6f43f elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"bf6f43f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is The Enterprise Investment Scheme? <\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7392826 elementor-widget elementor-widget-text-editor\" data-id=\"7392826\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>EIS was developed by the government in order to incentivise investment in high-risk companies. Part of a long-term initiative running since 1994, EIS Investments encourage investors to buy shares in new or young businesses, helping those with high-growth potential to reach those heights of success faster.<\/p><p>While certainly not without its risks, the Enterprise Investment Scheme can help you to diversify your portfolio and make a contribution to the UK economy by boosting businesses and employment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3b6aef elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"b3b6aef\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Benefits of the Enterprise Investment Scheme\n\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e238e64 elementor-widget elementor-widget-text-editor\" data-id=\"e238e64\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>EIS offers many benefits \u2013 such as income tax relief of 30% on your investment.<\/p><p>Another benefit is that investors don\u2019t have to pay any capital gains tax on any profits made after the sale of those shares, and any previous capital gains can be deferred. Additionally, investors are also able to offset any losses they may encounter against their earnings. Of course as with any type of investment, your individual circumstances and various other factors will have a bearing on the finer details.<\/p><p>As with all financial products, taking professional advice is important and this is even more so for specialist products such as these.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9edbe4c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9edbe4c\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0819add elementor-invisible\" data-id=\"0819add\" data-element_type=\"column\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8436302 elementor-widget elementor-widget-heading\" data-id=\"8436302\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Book your consultation to get clarity on your financial future.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-be8d8c6 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"be8d8c6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Contact us for a free consultation. There&#8217;s no obligation on your part and, if we think we&#8217;re not the best people to help you, we\u2019ll tell you straight away.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c5dcb9f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"c5dcb9f\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"https:\/\/www.sheilatarr.co.uk\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book your consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Investments Personalised guidance, whether it\u2019s your first investment or you have a large portfolio. Home SERVICES Investments Smart Investments for Your Financial Future It&#8217;s vital to have a well-thought-out investment strategy to help you accumulate wealth over time. There are several investment tools and approaches to aid in this including Individual Savings Accounts (ISAs) or&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"hide","_kad_post_feature":"hide","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Investments - www.sheilatarr.co.uk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sheilatarr.co.uk\/investments\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investments - www.sheilatarr.co.uk\" \/>\n<meta property=\"og:description\" content=\"Investments Personalised guidance, whether it\u2019s your first investment or you have a large portfolio. 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Home SERVICES Investments Smart Investments for Your Financial Future It&#8217;s vital to have a well-thought-out investment strategy to help you accumulate wealth over time. 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