ISAs - UK - September 2011
The product that has stepped up as the key consumer draw is the humble ISA. The tax relief given to ISA savings makes it one of the few financial products in the current low interest/high inflation environment which offers consumers a chance of making net gains on their savings. Saving is a priority for many given the constant reminders and inflammatory headlines relating to the pensions crisis, growing university fees, inflation, rising food and household bill costs and the ever increasing cost of oil. Cash ISAs offer savings options across the board to consumers looking to maximise returns on their investments with minimal risk, while stocks and shares ISAs allow them to take their first steps in the world of equity investments.
“ISAs are seen as one of the better savings products to use and one of the simpler investment products to venture into the stock market with. As the interest paid is entirely tax-free the returns on ISAs generally outperform other savings products. Figures from HMRC showing growing ISA volumes and value in 2010/11 show that despite difficult economic conditions consumers value ISAs.”
– Stephanie Seenan, Financial Services Analyst
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