Investment ideas and opportunities - Investment ISA
ISAs are bigger and better than they’ve ever been, with more flexibility in how you can use your annual allowance and in what you can invest it in. With flexibility,
comes choice - and that’s where we can help.
If you need a bit of inspiration and are at the information gathering starting point, we can help. Take some time and go through our range of helpful research and tools.
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Once you’ve done your research into the investment choices available, you now need to decide on your investment objectives. Some assets classes are more suitable
than others if you are investing for either growth or income.
- If you’re just starting out, funds can be an easy route to investing for growth.
- The idea is to grow your money by buying units or shares that increase in value over time.
- Funds ‘pool’ your money along with money from lots of other investors and use it to buy a range of investments, such as shares, bonds or property. A fund
manager chooses these assets based on the fund’s objective, so you can benefit from their experience.
Stocks & Shares
- Another way to invest for growth is through company stocks and shares, also known as equities.
- The aim here is to grow your money by investing in profitable companies whose shares rise in value.
- They may also pay dividends, which you can reinvest in more shares or use to give you an income.
Bond funds or individual gilts and bonds:
- Bond funds or individual gilts and bonds are a conventional way to generate an income.
- They’re effectively loans to companies or the government from which you draw an income as well as getting back your original investment at an agreed time - the
maturity date. The new ISA rules mean you can purchase individual gilts and bonds that have less than five years to maturity.
- The advantage here is that you can be certain about the returns you’ll get and provided that the issuer - the company or government you’re lending money to
- meets their obligations, you’ll get your money back too. However, a bond from a single issuer is more risky than investing in a bond fund where you get exposure to
lots of issuers through one investment.
- Whatever you choose to invest in, remember that all investments can go down as well as up and you could get back less than you put in. If you’re not certain
what’s right for you, you may want to think about getting independent professional advice
It’s worth looking at putting your money into a cash ISA that pays regular interest. This is less risky than other investments, so it’s a popular choice with new
investors. The downside is that as interest rates in recent years have been lower than inflation, there’s a risk of the real value of your money going down over the
- Check out which bond funds are featured in Citywire Selection
- Interested in the returns available from individual gilts or bonds? Take a look at our Bonds microsite
- See which funds and ETFs other investors are buying