How to help clients maximise the Isa's full potential

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How to help clients maximise the Isa's full potential

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Published in Stocks and Investing on Monday, March 24th 2025 at 11:21 GMT by FTAdviser

Indeed, government statistics show that the cash Isa is still the most popular Isa, despite higher investment growth helping stocks and shares Isas to account for 58 per cent of the market value of Isa funds, while cash Isas account for 42 per cent of the market value.

The article from FT Adviser discusses strategies for financial advisers to help clients maximize the benefits of Individual Savings Accounts (ISAs). It highlights the importance of understanding the different types of ISAs available, such as Cash ISAs, Stocks and Shares ISAs, Lifetime ISAs, and Innovative Finance ISAs, each offering unique tax advantages. The piece emphasizes the need for advisers to tailor ISA recommendations to individual client needs, considering factors like investment goals, risk tolerance, and time horizon. It also covers the annual ISA allowance, which for the tax year 2024/25 is £20,000, and the importance of using this allowance effectively before it resets. Additionally, the article touches on the benefits of ISAs for inheritance tax planning, the potential for tax-free growth, and the flexibility of ISAs in terms of withdrawals and transfers. The overarching theme is the strategic use of ISAs to optimize tax efficiency and meet long-term financial objectives.

Read the Full FTAdviser Article at:
[ https://www.ftadviser.com/isas/2025/3/24/how-to-help-clients-maximise-the-isas-full-potential-/ ]

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