ISAs

We offer stocks and shares ISAs, which provide protection from capital gains tax and income tax. Annual subscriptions may be made to an ISA of up to £10,680 in 2011/12, of which half (up to £5,340) may be in cash.

For higher rate taxpayers in particular, ISAs represent an excellent opportunity to build up a pot of savings in a tax-efficient wrapper.

We view ISAs as an intrinsic part of portfolios. Although they must be kept separate from other investments for accounting and tax purposes we take full account of them when making recommendations or managing portfolios.  We make an annual management charge for ISAs to cover the costs of custody and reporting.