NB – Legislation relating to Individual Savings Accounts is subject to change.

New Individual Savings Accounts (NISAs) replaced the older ISA in 2014 with the major difference being a higher annual investment limit, all of which can be invested as the account holder sees fit rather the old system which had lower individual limits to different types of ISA.

NISA’s are available to all UK residents over 18 years of age. They benefit all taxpayers, as any income or capital gains received from investments held within an ISA do not have to be declared to the tax man. Children under the age of 18 can save in to a Junior Individual Savings Account (JISA).

NISAs can invest in cash or longer term investments like stocks and shares (including unit trusts, investment trusts, Open Ended Investment Companies, some fixed interest securities, or any share quoted on a stock exchange recognised by the Inland Revenue.)

Cash Mini ISA’s and TESSA only ISA’s, (TOISA’s) automatically become Cash ISA’s. Personal Equity Plans, (PEP’s) automatically become Stocks & Shares ISA’s.


Investment Limits

Adults can invest up to £20,000 in a NISA during the 2017/17 Tax Year.

Children can invest up to £4,128 in a JISA for the 2017/18 Tax Year.

For advice on investments we act as introducers only.

Self Select ISAs

Risk and Reward Unit Trusts OEICs Investment Trusts ISAs Government Gilts Corporate Bonds

BDM Financial Consultants Ltd is an appointed representative of Sesame Ltd.

The site is intended for UK consumers only.
Director: Brian Marks

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