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Investing for the future Investments are a way of saving and providing for the future by choosing from a variety of investment types, which accumulate over time, depending of the rate of interest.ISAs (Instant Savings Accounts) are tax-efficient products as there is no Capital Gains Tax to pay on any profits generated from the account. Tax credits can no longer be reclaimed on equity dividends but interest earned on corporate bonds and gilts remains tax free. Higher rate taxpayers benefit even further as they do not have to pay any higher rate tax on share dividends. Also, you do not need to declare income and capital gains derived from ISA investments on your tax return. You can take your money out at any time without losing any tax relief. However, once you withdraw funds you can't reintroduce them, unless you have not used your full ISA subscription for the current tax year. The value of shares and the income, if any, from them can go down as well as up. Cash ISAs allow you to hold your savings without paying tax on any interest earned. You can withdraw your money at any time, but you can only re-invest it if you have not utilised the whole of your annual allowance. We also review a wide range of investment types and insurance services and the best ISAs available, the best Unit Trusts, and Stakeholder Pensions and Annuities. We also review some of the best insurance policies in the following categories: Home Insurance, Business Insurance, Life Insurance, Critical Illness, Car and Van insurance and breakdown cover, and Landlord insurance. |
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