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Omkring 13,5 ?millioner mennesker tog en Isa i sidste regnskabsar og de tal for dette ar - efter en flot regel aendringer - forventes at blive endnu storre. I mellemtiden er kunderne stromme til DIY investeringer butikker som investor vaelger at tage deres egne beslutninger om midler og deres aktier.
Isa er en enkel og effektiv made at spare, men der er faldgruber. Kollektivt, vores forfattere samle deres viden til at sortere de mest almindelige fejl. At ignorere "tracker funds". Opsamling af en fond med en god leder er meget vanskeligt. En "tracker", der blot folger et indeks, er billige og tager det roligt. Det er et godt valg som forret fond eller core del af en portefolje.
At glemme at overvage din Isa fond manager. Hvis du er bag en fond manager, skal du vaere pa vagt. Midler med "star" lederne ofte forringet efter de forlader.
Ikke at indfore et fordyrende mellemled. Ga direkte til en fond manager, og du kan typisk betale 1,5 pc ( £150 pa £10.000 arligt), men ga til en fond supermarked eller investering kob og betaling vil kun vaere 0,75 pc til fonden. Fonden butik vil ogsa tilfoje et gebyr.
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