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All About ISAs
Manage episode 482895466 series 3484739
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In this episode of clarityON, Chartered Financial Adviser Vicki Watson and Senior Paraplanner Andrew Kemp unpack everything you need to know about Individual Savings Accounts (ISAs) — one of the UK’s most tax-efficient tools for saving and investing.
From the basics of Cash ISAs and Stocks & Shares ISAs to the ins and outs of Lifetime ISAs, Junior ISAs, and Flexible ISAs, Vicki and Andrew explain the benefits, rules, and strategy behind each option. They also discuss recent changes, potential reforms, and why using your ISA allowance early in the tax year could make a big difference.
Whether you're saving for a house, building a nest egg for your children/grandchildren, or just trying to grow your wealth more efficiently, this episode will help you understand how to make your ISA work harder for you.
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Please note that any opinions, analyses, or reviews provided on the podcast are those of the author alone.
All content reflects our opinion at a given time and can change as time progresses. All information should be taken as opinion and therefore should not be misconstrued for professional or legal financial advice.
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Please contact your financial adviser if you require further support or assistance with any of the topics raised.
Chapters
1. Introduction (00:00:00)
2. Possible reforms to the cash ISA (00:00:59)
3. What is an ISA? (00:01:34)
4. Cash ISAs (00:01:53)
5. Stocks & Shares ISAs (00:02:11)
6. Junior ISAs (JISAs) (00:02:23)
7. Lifetime ISA (00:02:50)
8. Why should you utilise your ISA allowance early? (00:03:32)
9. ISA strategy (00:04:29)
10. Flexible ISAs (00:05:27)
11. What happens to my ISA when I pass? (00:05:53)
12. Outro (00:07:01)
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