Have you already completed you ISA allowance for 2007/2008?
If you invest early in the tax year for 2008/2009, compounded growth takes place earlier and its effects grow more over time. The more you invest initially and the earlier you invest, the bigger it will grow as interest and growth occurs on more of your investment over time. Over ten years this can be a significant additional growth factor in the investment.
Concerned about stock market volatility?
When stock markets are volatile it is difficult to know how to invest our full ISA allowance.
Many people know that, over the longer term, stock market investments in most cases have significantly outperformed returns available from bank and building society deposit accounts. However, what puts some people off becoming investors themselves is the knowledge that stock markets are prone to short-term fluctuations and the worry that these fluctuations may mean that they lose money. This is why investment professionals recommend that investors should take a long-term view – typically five to ten years or more – when investing in the stock market. In this way, you allow your investment longer to grow, which should more than make up for the effects of any short-term stock market volatility.
Research shows that, historically, the longer an investor stays invested, the smaller the likelihood they will lose money and the greater the chance they will make money.
At Chartwell we have put together a couple of different routes that we believe will help you to make the most of your 2007/2008 ISA in this volatile time.
Your options this ISA season include:
| Chartwell's Funds in Focus | Cofund's Cash Reserve | Build your own ISA |
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James Davies, Chartwell’s Investment Research Manager has produced a list of funds to help you identify funds in each of the main fund sectors that you might like to consider. We’ve called this list 'Funds in Focus' and have selected funds for inclusion based on a combination of a quantitative screening process and qualitative selection process based on fund manager meetings.
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The cash reserve is an ideal solution for investors who are concerned about market conditions but want to secure their ISA allowance. The cash reserve is not a cash component of an ISA but is a temporary holding facility for cash within a stocks and shares ISA. Buy or Switch into this fund via our Buy and Switch service.
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Chartwell have pulled together a collection of documents and research that we believe will help you create your own ISA for the 2007/2008 season.
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Please fill in the form below if you would like us to send you the applications for your 2008/2009 ISA
