{"id":2823,"date":"2017-05-24T16:36:55","date_gmt":"2017-05-24T15:36:55","guid":{"rendered":"https:\/\/smh.group\/?p=2823"},"modified":"2023-02-15T13:52:58","modified_gmt":"2023-02-15T13:52:58","slug":"now-isa-savings","status":"publish","type":"post","link":"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/","title":{"rendered":"What now for ISA savings?"},"content":{"rendered":"<p>Recent research indicates over \u00a3270bn is currently languishing in cash ISAs. Rising inflation rates and record low interest rates are forcing savers to look into alternatives to this now underperforming investment option.<\/p>\n<p>Stocks and Shares ISAs do offer better growth potential, however with this comes a higher level of risk. With little to suggest any change in market volatility, and with the political uncertainty surrounding the forthcoming snap election, this route is not so appealing to cautious investors.<\/p>\n<p>With the ISA allowances increasing for \u00a320,000 for this tax year, research has highlighted that consumers are now looking to alternative ways to invest their savings to get a better return.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Simon says<\/strong><\/p>\n<p>Simon Turner, Chartered Financial Planner at Sutton McGrath Hartley Financial Services provides further insight: \u201cRegardless of what you invest in, the \u2018tax wrapper\u2019 is possibly the most important component within any investment strategy, as the tax you pay will ultimately affect the return you receive.<\/p>\n<p>\u201cISAs are an excellent way of protecting your investment returns from tax and wherever possible should be maximised. However there are many investment strategies that can be adopted regardless of your attitude towards risk which can help to improve your potential investment returns.<\/p>\n<p>\u201cHaving already taken steps to protect your savings from tax within an ISA it is important to ensure that you are also receiving a healthy rate of return on these savings.\u201d<\/p>\n<p>&nbsp;<\/p>\n<p><strong>At Sutton McGrath Hartley Financial Services, we are on hand to offer strategic advice when it comes to making your savings and investments work harder for you.<\/strong><\/p>\n<p>As <a href=\"https:\/\/devstagesite.co.uk\/smhgroup\/financial-services\/\" target=\"_blank\" rel=\"noopener\">Independent Financial Advisers<\/a>, we are able to offer whole of market solutions, which means we are not restricted to any one specific product.<\/p>\n<p>If you would like to speak to us about how we can help make your savings deliver better results for you, please contact Simon on <strong>0114 266 4432<\/strong> or email: <span style=\"text-decoration: underline;\"><strong><a href=\"mailto:sturner@smh.group\">sturner@smh.group<\/a><\/strong><\/span> to arrange a free initial consultation.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\"><em><strong><a href=\"https:\/\/devstagesite.co.uk\/smhgroup\/Financial-services\/\">Read more about the services on offer from Sutton McGrath Hartley Financial Services.\u00a0<\/a><\/strong><\/em><\/span><\/p>\n<div id=\"attachment_2824\" style=\"width: 255px\" class=\"wp-caption alignleft\"><img loading=\"lazy\" decoding=\"async\" aria-describedby=\"caption-attachment-2824\" class=\"size-medium wp-image-2824\" src=\"https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-245x300.jpg\" alt=\"\" width=\"245\" height=\"300\" srcset=\"https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-245x300.jpg 245w, https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-768x940.jpg 768w, https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-836x1024.jpg 836w, https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped.jpg 1105w\" sizes=\"auto, (max-width: 245px) 100vw, 245px\" \/><p id=\"caption-attachment-2824\" class=\"wp-caption-text\">Simon Turner, Chartered Financial Planner at Sutton McGrath Hartley Financial Services<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Recent research indicates over \u00a3270bn is currently languishing in cash ISAs. Rising inflation rates and record low interest rates are forcing savers to look into alternatives to this now underperforming investment option. Stocks and Shares ISAs do offer better growth potential, however with this comes a higher level of risk. With little to suggest any change in market volatility, and with the political uncertainty surrounding the forthcoming snap election, this route is not so appealing to cautious investors. With the ISA allowances increasing for \u00a320,000 for this tax year, research has highlighted that consumers are now looking to alternative ways to invest their savings to get a better return. &nbsp; Simon says Simon Turner, Chartered Financial Planner at Sutton McGrath Hartley Financial Services provides further insight: \u201cRegardless of what you invest in, the \u2018tax wrapper\u2019 is possibly the most important component within any investment strategy, as the tax you pay will ultimately affect the return you receive. \u201cISAs are an excellent way of protecting your investment returns from tax and wherever possible should be maximised. However there are many investment strategies that can be adopted regardless of your attitude towards risk which can help to improve your potential investment returns. [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[4,16],"tags":[98,77,97,22,96,19],"class_list":["post-2823","post","type-post","status-publish","format-standard","hentry","category-chartered-tax-advisers","category-financial-services","tag-financial-advice","tag-financial-planning","tag-investments","tag-isa","tag-savings","tag-tax"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What now for ISA savings? - SMH Group<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What now for ISA savings? - SMH Group\" \/>\n<meta property=\"og:description\" content=\"Recent research indicates over \u00a3270bn is currently languishing in cash ISAs. Rising inflation rates and record low interest rates are forcing savers to look into alternatives to this now underperforming investment option. Stocks and Shares ISAs do offer better growth potential, however with this comes a higher level of risk. With little to suggest any change in market volatility, and with the political uncertainty surrounding the forthcoming snap election, this route is not so appealing to cautious investors. With the ISA allowances increasing for \u00a320,000 for this tax year, research has highlighted that consumers are now looking to alternative ways to invest their savings to get a better return. &nbsp; Simon says Simon Turner, Chartered Financial Planner at Sutton McGrath Hartley Financial Services provides further insight: \u201cRegardless of what you invest in, the \u2018tax wrapper\u2019 is possibly the most important component within any investment strategy, as the tax you pay will ultimately affect the return you receive. \u201cISAs are an excellent way of protecting your investment returns from tax and wherever possible should be maximised. However there are many investment strategies that can be adopted regardless of your attitude towards risk which can help to improve your potential investment returns. [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/\" \/>\n<meta property=\"og:site_name\" content=\"SMH Group\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-24T15:36:55+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-02-15T13:52:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-245x300.jpg\" \/>\n<meta name=\"author\" content=\"Brendan Hall\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brendan Hall\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/\"},\"author\":{\"name\":\"Brendan Hall\",\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/#\/schema\/person\/637129b7464f960037f1b676f625570e\"},\"headline\":\"What now for ISA savings?\",\"datePublished\":\"2017-05-24T15:36:55+00:00\",\"dateModified\":\"2023-02-15T13:52:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/\"},\"wordCount\":355,\"image\":{\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/devstagesite.co.uk\/smhgroup\/wp-content\/uploads\/2017\/05\/ST-cropped-245x300.jpg\",\"keywords\":[\"financial advice\",\"financial planning\",\"investments\",\"ISA\",\"savings\",\"tax\"],\"articleSection\":[\"SMH Chartered Tax Advisers\",\"SMH Financial Services\"],\"inLanguage\":\"en-GB\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/\",\"url\":\"https:\/\/devstagesite.co.uk\/smhgroup\/now-isa-savings\/\",\"name\":\"What now for ISA savings? 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With the ISA allowances increasing for \u00a320,000 for this tax year, research has highlighted that consumers are now looking to alternative ways to invest their savings to get a better return. &nbsp; Simon says Simon Turner, Chartered Financial Planner at Sutton McGrath Hartley Financial Services provides further insight: \u201cRegardless of what you invest in, the \u2018tax wrapper\u2019 is possibly the most important component within any investment strategy, as the tax you pay will ultimately affect the return you receive. \u201cISAs are an excellent way of protecting your investment returns from tax and wherever possible should be maximised. However there are many investment strategies that can be adopted regardless of your attitude towards risk which can help to improve your potential investment returns. 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