Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


Dust down those old ISA accounts. They may be costing you a fortune.

ISAWhy?  Because they are probably expensive with high charges, little flexibility and no access to online valuations.

Few people realise that they can switch between ISA providers without losing any of the tax benefits.  It is dead easy.  One short form and your new provider will collect the proceeds from your old provider either as cash or by transferring funds.

All of the recent headlines were about the increase in the annual limit for investing in an ISA to £15,000.  But of even greater importance is that transfer is now much easier.  If you have an ISA bought more than a year or so ago the chances are that you are paying far too much in investment management fees which will seriously effect returns, particularly when measured over the medium term.

Typical investment management fees on old plans are as much as 1.75% per annum ( more than most people are earning on bank deposits) . Today if you switch to a modern ISA (without cost) those fees would could reduce to 0.75% or may be even less.

Don’t let someone else get fat on your money.  This really is a no-brainer.  One short form and your new provider will collect the proceeds either as cash or by a transfer of the existing funds into the new low cost version.

What do you have to lose?  Absolutely nothing.

What do you have to gain?  Better results, more flexibility, a simpler life, all your ISA accounts in one place, instant online valuations.  It really is a no-brainer.

What do you need to do next?  Two options for you:  Click the box on the right to qualify for a free telephone discussion when I can guide you through the process or alternatively, if you prefer, go to www.hl.co.uk down load their ISA Guide and see how you get on doing it yourself.

Either way please do something.  Remember the harder your money is working the less hard you will need to work for your money.

Finally a big favour please –  put your name and email address in the box below so that I have your permission to send you more useful information.  And if you have found this really useful use the icons top right to share with your friends.



This document and our on going services are not personal advice. We'll give you all the help and guidance you need to make your investment and retirement decisions, but we can't advise you. If you're not sure whether you need regulated financial advice we can put you in touch with a suitably qualified and experienced regulated adviser. Because we are not regulated by the Financial Conduct Authority you will not have access to the Financial Ombudsman Service in respect of any complaints. If you use one of the "no advice" on line services to handle investment transactions they will be Regulated and you will have access to the Ombudsman and The Financial Compensation Scheme in respect of their services. The value of investments/pension plans can fall or rise depending on market performance. The Retirement Team and The Investment and Retirement Coach are trading names of Capture Success Ltd Reg No 01825075 Tel 07770575122

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