02/03/2010 by bill.

Over the long term, investing in the stock market can offer you a great potential for return on your investment. But finding the right investment can be time-consuming. There are just so many different types out there.
With Legal & General’s range of investments simply choose the fund(s) that best suit your needs. You can invest in an ISA or a unit trust from as little as £500 lump sum or £50 a month. You should also remember that your investment is not guaranteed and the value may fall as well as rise.

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17/02/2010 by bill.

Virgin Climate Change ISA – The ISA that saves more than just tax - aims to provide excellent returns by investing in specially selected companies who combine the potential for outstanding profit growth with a lighter environmental footprint. - invest up to £7,200 a year tax-efficiently through a Virgin ISA. - pay in lump sums from £100 (your first lump sum must be at least £500). Or you can set up regular monthly payments, from £50 upwards. - You can stop, start or change your payments at any time without penalty. - 24 hour online service lets you keep track of your investment, make payments online, and change payments and other details. - No notice periods – you can get at your money whenever you want. - We earn an annual management fee of 1.75%. There may also be a performance related fee, which we only earn if we outperform agreed benchmarks. - The Virgin Climate Change Fund is an actively managed fund and carries more risk than, for example, a Tracker Fund. Please remember stock market investments can go down as well as up and you may not get back all you invest. To maximise your chance of a good return you should be looking to invest for at least 5 years.

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22/06/2009 by bill.

Climate change caused by carbon emissions and other green house gases is one of the biggest issues facing the world today. Investors may feel that companies offering low carbon and green technology and solutions could perform well over coming years.

The Virgin Climate Change ISA is an environmental ISA with a difference, investing in all industry sectors, in businesses which combine the potential for outstanding profit growth with a lighter environmental footprint.

We believe environmentally aware companies may perform better. Customers prefer them, and they are not saddled with green taxes and penalties which will be increasingly levied on the heavier polluters.

The Virgin Climate Change Fund is an actively managed fund and carries more risk than, for example, a Tracker Fund. Please remember stock market investments can go down as well as up and you may not get back all you invest. To maximise your chance of a good return you should be looking to invest for at least 5 years.

Click here for details and to apply

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08/06/2009 by bill.

The interest rate on several of the best Cash ISA accounts have been cut over the past two or three weeks as the banks meet their targets for deposits. The best variable rates available on 8th June, 2009 were from Ruffler Banks offering 3.10% aer and M and S offering 3.02%. Anyone looking to invest in a Cash ISA may well be advised to do so quickly before rates fall further.

It is still possible to find higher rates for fixed term ISAs but these are only suitable for savers who will not require access to funds during the fixed rate period. Inevitably the best rates of require fixed periods of 4 years or more and of course interest rates may go up during that period so you could lose out in later years. But as at 8th June, Halifax is offering 3.50% on its two year fixed rate ISA saver account or 4.00% fixed for 4 years.

As always, do your research and shop around to find

Click here for more information about finding the right Individual Savings Account for you.

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27/05/2009 by bill.

With many savings accounts now offering interest rates below 1% savers are asking how to get higher rates. It is still possible to get over 2% on instant access internet savings accounts and over 3% on cash ISAs and we regularly report on the best rates currently available on this blog.

But switch to fixed rate savings or bonds to get the best rates. Only do this if you are sure that you will not need to access your savings during the fixed rate period otherwise you could face serious penalties but if you can lock away your savings for a year or more there are attractive rates available.

Inevitably the best rates are available for fairly long term bonds, maybe 4 years or more. Caution is needed here because it is almost certain that interest rates will rise during that period and you could lose out in the later years but a rate of 4.4% as offered by Halifax for its 5 year bond looks tempting. Otherwise ICICI bank is offering 4.35% fixed for 2 years or 4% fixed for 12 months.

The same applies to ISAs. Leeds Building Society is offering 4% on its 5 year fixed rate ISA and Halifax is offering 4% on its Fixed Rate ISA fixed for 4 years.

Click here for more about selecting the right places for your savings.

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22/04/2009 by bill.

In today’s budget, the Chancellor announced that the tax free amount anyone can invest in an Individual Savings Account each year will increase to £10,200 with the maximum in a cash ISA going up to £5,100.

The new limits will apply from April 2010 but will be available to the over 50s from September 2009.

Click here for more about investing in ISAs

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07/04/2009 by bill.

With the start of a new tax year many of us will be thinking about how best to use our tax free ISA allowance.

An ISA is a really straight forward and tax-friendly way to invest in the stock market. We all recognise that markets, in general, are down, but some analysts suggest that this could be an opportunity to invest and take advantage of the current low share prices.

The Virgin Climate Change ISA invests in specially selected businesses (predominantly in the UK and Europe) who aim to drive outstanding profit growth and have a lighter environmental footprint.

Customers can:

Invest up to £7,200 a year or make regular monthly payments of £50 or more
Invest by transferring existing ISAs (or old PEPs)
Take their money out whenever they need to - there are no notice periods

Click here for more information about investing in Individual Savings Accounts

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13/03/2009 by bill.

The Virgin Climate Change ISA - The ISA that saves more than just tax.

Click here for details

For more about investing in an ISA see moneyjungle.net

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27/02/2008 by bill.

From the 6th April 2008 a number of changes to ISA regulations come into force:

Mini and Maxi ISA rules will disappear
Any maxi or mini ISA will simply be called an ISA
Any maxi cash component will become a cash ISA
Any mini cash ISA will become a cash ISA
Any maxi or mini stocks and shares component will become a stocks and shares ISA
The yearly overall limit increases from £7,000 to £7,200, with the yearly cash limit increasing from £3,000 to £3,600
The full £7,200 allowance can be invested in stocks and shares
PEPs will become stocks and shares ISAs
TESSA only ISAs will become cash ISAs

Click here for good ISA buys

For more information about Individual Savings Accounts see moneyjungle.net

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