Best Isa Investments

UK financial question?

i have 30K to invest. Should i put it into an ISA or high deposit account or what? Which is the best option for a 5 year investment of my money?

The least risky advice would always be to pay off any debts you have. That will give you more any savings accounts as you do not have to pay tax on the interest.

ISAs are usually the best place to build up cash after this. However, there is a limit to the amount you can put in and it is a lot less than 30K. You have a limit of 7K each year to invest in if you go for a stocks and Shares ISA. Only 3K at present can be cash, but I beieve that this is due to change after 1st April and 7K will be the max without quotas. If you give a spouse some cash you can double these limits.

They rest you would have to just look for the account paying the highest interest on any of the above sites mentioned.

WWW.thisismoney.co.uk is one that I find simple.

With a 5 year plus time scale shares would make sense, esp in an ISA if you are a higher rate tax payer. It depends how much risk you are willing to take. Shares at least are not currrently as high as they were a few weeks ago, so you are not buying at the very top of a market.

“or What” …. If you do not have any investments at present you should be building up investments in in the less risky financial products. Government bonds, UK trackers (go for the lowest fees), or a bit riskier a UK based fund managd by a well rated fund manager, again these can be found on web sites or the financial pages of the Sunday papers.

Only once you have a sensible amount locally should you start to diversify in to riskier options.

Finally beware of going to your local bank in the high street. They rarely offer the best value investments and their advice will be biased to their own products. See what type of products they advise you to go for and then look to see who else will offer a better deal.

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