ISA Choices Overview
In our ISA Choices guide we aim to help you construct a well thought out, diversified portfolio, tailored to your investment goals.
To achieve this we have identified investment ideas across the key areas which we believe are well placed to meet their investment objectives.
All of these funds are available in commission-free format with new lower annual management charges and no initial charge.
Focus on Income
Whether you are looking to help give your children a better start in life or are simply looking to create an income in your retirement years, investing in the stock market can be a rewarding way to generate additional income. The poor rates of interest on cash savings in recent years have made this an increasingly attractive option albeit it with the added risk involved.
We have put together a range of income options for you to consider. These include bonds covering the Strategic and High Yield sectors, a UK Equity Income fund and one with a derivative based strategy to try and boost income. Our selection process incorporates an analysis of a fund’s ability to preserve capital as most investors wish to obtain the highest yield they can, while eroding as little of their capital as possible.
The Income Funds featured this year are: Artemis Income, Invesco Monthly Income Plus, Threadneedle High Yield Bond and Schorder Income Maximiser.
Focus on Growth
Over the last year there has been some volatility in the markets both in the UK and globally. There was some pick up following the UK election result towards the end of 2019, but, it remains to be seen if this will be sustained through 2020. It is important to understand that markets can fall as well as rise in the short term but, over longer periods, equities have generally performed much better than cash deposits.
In the magazine this year we have, as usual, sought to provide a range of options for those of you seeking capital growth from your investments. There are UK-focused funds as well as ones with a global outlook. We have also looked at the technology sector as this has been the most popular sector for investors in recent times.
The Growth Funds featured this year are: CFP SDL Buffettology, Liontrust UK Smaller Comapanies, Lindsell Train Global Equity and AXA Framlington Global Technology.